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$33,019
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$1,044/mo
Today · 4.125%
HK$35,090
baseline
▲ 0.50% · 4.625%
HK$37,225
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,180/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,734
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$37,719
−HK$999/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$40,759
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,252/mo
Today · 4.125%
HK$42,108
baseline
▲ 0.50% · 4.625%
HK$44,670
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,216/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,199/mo
Today · 4.125%
HK$46,462
baseline
▲ 0.50% · 4.625%
HK$48,911
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,924/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,665
−HK$1,461/mo
Today · 4.125%
HK$49,126
baseline
▲ 0.50% · 4.625%
HK$52,115
+HK$2,989/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$98,252/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,427
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,806
−HK$1,400/mo
Today · 4.125%
HK$54,206
baseline
▲ 0.50% · 4.625%
HK$57,063
+HK$2,857/mo
Deposit HK$4.34M · loan HK$10.14M · min. income ≈ HK$108,412/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,435
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,284
−HK$1,878/mo
Today · 4.125%
HK$63,162
baseline
▲ 0.50% · 4.625%
HK$67,005
+HK$3,843/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,324/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,121
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,894
−HK$1,799/mo
Today · 4.125%
HK$69,693
baseline
▲ 0.50% · 4.625%
HK$73,367
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,386/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,021 · Scale 2, in force from 26 Feb 2026)