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$33,127
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,157
−HK$1,047/mo
Today · 4.125%
HK$35,204
baseline
▲ 0.50% · 4.625%
HK$37,346
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,408/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,841
−HK$1,003/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,048/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,752
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,256/mo
Today · 4.125%
HK$42,245
baseline
▲ 0.50% · 4.625%
HK$44,815
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,490/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,224
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,203/mo
Today · 4.125%
HK$46,613
baseline
▲ 0.50% · 4.625%
HK$49,070
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,226/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,377
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,820
−HK$1,466/mo
Today · 4.125%
HK$49,286
baseline
▲ 0.50% · 4.625%
HK$52,285
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,572/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,594
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,978
−HK$1,404/mo
Today · 4.125%
HK$54,382
baseline
▲ 0.50% · 4.625%
HK$57,248
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,764/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,628
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,483
−HK$1,884/mo
Today · 4.125%
HK$63,367
baseline
▲ 0.50% · 4.625%
HK$67,223
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,734/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,336
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$1,805/mo
Today · 4.125%
HK$69,920
baseline
▲ 0.50% · 4.625%
HK$73,605
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,840/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,786 · Scale 2, in force from 26 Feb 2026)