The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$33,443
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,483
−HK$1,057/mo
Today · 4.125%
HK$35,540
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,080/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,205
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,202
−HK$1,013/mo
Today · 4.125%
HK$39,215
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,430/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,131
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,379
−HK$1,269/mo
Today · 4.125%
HK$42,648
baseline
▲ 0.50% · 4.625%
HK$45,243
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,296/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,645
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,843
−HK$1,215/mo
Today · 4.125%
HK$47,058
baseline
▲ 0.50% · 4.625%
HK$49,538
+HK$2,480/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,116/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,276
−HK$1,480/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,783
+HK$3,027/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,086
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,483
−HK$1,417/mo
Today · 4.125%
HK$54,900
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,800/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,197
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,903/mo
Today · 4.125%
HK$63,972
baseline
▲ 0.50% · 4.625%
HK$67,864
+HK$3,892/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,944/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,968
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,764
−HK$1,822/mo
Today · 4.125%
HK$70,586
baseline
▲ 0.50% · 4.625%
HK$74,307
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,172/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,981 · Scale 2, in force from 26 Feb 2026)