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$33,424
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$1,056/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,182
−HK$1,011/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,109
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,357
−HK$1,268/mo
Today · 4.125%
HK$42,625
baseline
▲ 0.50% · 4.625%
HK$45,218
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,250/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,621
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,818
−HK$1,214/mo
Today · 4.125%
HK$47,032
baseline
▲ 0.50% · 4.625%
HK$49,511
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,064/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,794
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,250
−HK$1,479/mo
Today · 4.125%
HK$49,729
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$3,026/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,458/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,058
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,454
−HK$1,417/mo
Today · 4.125%
HK$54,871
baseline
▲ 0.50% · 4.625%
HK$57,763
+HK$2,892/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,742/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,164
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,035
−HK$1,902/mo
Today · 4.125%
HK$63,937
baseline
▲ 0.50% · 4.625%
HK$67,827
+HK$3,890/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,874/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,932
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,727
−HK$1,821/mo
Today · 4.125%
HK$70,548
baseline
▲ 0.50% · 4.625%
HK$74,267
+HK$3,719/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,096/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,683 · Scale 2, in force from 26 Feb 2026)