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$33,574
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$1,061/mo
Today · 4.125%
HK$35,680
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$2,171/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,360/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,353
−HK$1,016/mo
Today · 4.125%
HK$39,369
baseline
▲ 0.50% · 4.625%
HK$41,444
+HK$2,075/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,738/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,289
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,274/mo
Today · 4.125%
HK$42,816
baseline
▲ 0.50% · 4.625%
HK$45,421
+HK$2,605/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$85,632/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,821
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,023
−HK$1,220/mo
Today · 4.125%
HK$47,243
baseline
▲ 0.50% · 4.625%
HK$49,733
+HK$2,490/mo
Deposit HK$5.89M · loan HK$8.83M · min. income ≈ HK$94,486/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,004
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,466
−HK$1,486/mo
Today · 4.125%
HK$49,952
baseline
▲ 0.50% · 4.625%
HK$52,991
+HK$3,039/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,904/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,292
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,694
−HK$1,423/mo
Today · 4.125%
HK$55,117
baseline
▲ 0.50% · 4.625%
HK$58,022
+HK$2,905/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,234/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,434
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,314
−HK$1,910/mo
Today · 4.125%
HK$64,224
baseline
▲ 0.50% · 4.625%
HK$68,131
+HK$3,907/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$128,448/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,232
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,035
−HK$1,829/mo
Today · 4.125%
HK$70,864
baseline
▲ 0.50% · 4.625%
HK$74,600
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.25M · min. income ≈ HK$141,728/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$552,148 · Scale 2, in force from 26 Feb 2026)