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$34,077
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$1,077/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,418
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,032/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,065
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,292/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$46,101
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,493
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,713
−HK$1,238/mo
Today · 4.125%
HK$47,951
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,902/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,708
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,192
−HK$1,508/mo
Today · 4.125%
HK$50,700
baseline
▲ 0.50% · 4.625%
HK$53,785
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,400/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,075
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,498
−HK$1,444/mo
Today · 4.125%
HK$55,942
baseline
▲ 0.50% · 4.625%
HK$58,891
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,884/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,339
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,247
−HK$1,939/mo
Today · 4.125%
HK$65,186
baseline
▲ 0.50% · 4.625%
HK$69,152
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,372/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,239
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,069
−HK$1,857/mo
Today · 4.125%
HK$71,926
baseline
▲ 0.50% · 4.625%
HK$75,717
+HK$3,791/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,852/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,420 · Scale 2, in force from 26 Feb 2026)