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$33,527
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$1,060/mo
Today · 4.125%
HK$35,630
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,260/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,299
−HK$1,015/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,386
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,233
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,484
−HK$1,272/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,357
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,758
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,959
−HK$1,218/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,938
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,398
−HK$1,483/mo
Today · 4.125%
HK$49,881
baseline
▲ 0.50% · 4.625%
HK$52,917
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,762/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,218
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,619
−HK$1,420/mo
Today · 4.125%
HK$55,039
baseline
▲ 0.50% · 4.625%
HK$57,941
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,078/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,349
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,226
−HK$1,907/mo
Today · 4.125%
HK$64,133
baseline
▲ 0.50% · 4.625%
HK$68,036
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,266/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,138
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,938
−HK$1,827/mo
Today · 4.125%
HK$70,765
baseline
▲ 0.50% · 4.625%
HK$74,495
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,530/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,372 · Scale 2, in force from 26 Feb 2026)