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$33,838
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$1,069/mo
Today · 4.125%
HK$35,960
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,189/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,920/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,024/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,606
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,869
−HK$1,284/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,778
+HK$2,625/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,174
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,385
−HK$1,230/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,124
+HK$2,509/mo
Deposit HK$5.94M · loan HK$8.90M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,847
−HK$1,498/mo
Today · 4.125%
HK$50,345
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,690/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,703
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,116
−HK$1,434/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,478
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,909
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$62,804
−HK$1,925/mo
Today · 4.125%
HK$64,729
baseline
▲ 0.50% · 4.625%
HK$68,667
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$129,458/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,761
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$69,578
−HK$1,844/mo
Today · 4.125%
HK$71,422
baseline
▲ 0.50% · 4.625%
HK$75,187
+HK$3,765/mo
Deposit HK$1.48M · loan HK$13.36M · min. income ≈ HK$142,844/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,492 · Scale 2, in force from 26 Feb 2026)