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$33,720
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$1,066/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$38,015
+HK$2,180/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,520
−HK$1,020/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,085/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,464
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,723
−HK$1,279/mo
Today · 4.125%
HK$43,002
baseline
▲ 0.50% · 4.625%
HK$45,618
+HK$2,616/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,004/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,016
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,224
−HK$1,224/mo
Today · 4.125%
HK$47,448
baseline
▲ 0.50% · 4.625%
HK$49,949
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,896/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,208
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,677
−HK$1,492/mo
Today · 4.125%
HK$50,169
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$3,053/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,338/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,519
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,927
−HK$1,429/mo
Today · 4.125%
HK$55,356
baseline
▲ 0.50% · 4.625%
HK$58,274
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,712/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,697
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,585
−HK$1,918/mo
Today · 4.125%
HK$64,503
baseline
▲ 0.50% · 4.625%
HK$68,428
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,006/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,524
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,335
−HK$1,838/mo
Today · 4.125%
HK$71,173
baseline
▲ 0.50% · 4.625%
HK$74,924
+HK$3,751/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,346/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,549 · Scale 2, in force from 26 Feb 2026)