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$33,461
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$34,502
−HK$1,058/mo
Today · 4.125%
HK$35,560
baseline
▲ 0.50% · 4.625%
HK$37,724
+HK$2,164/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,120/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,226
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,224
−HK$1,013/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,305
+HK$2,068/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,154
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,403
−HK$1,269/mo
Today · 4.125%
HK$42,672
baseline
▲ 0.50% · 4.625%
HK$45,268
+HK$2,596/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,344/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,215/mo
Today · 4.125%
HK$47,084
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,482/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,168/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,846
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,303
−HK$1,481/mo
Today · 4.125%
HK$49,784
baseline
▲ 0.50% · 4.625%
HK$52,813
+HK$3,029/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,568/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,116
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,513
−HK$1,418/mo
Today · 4.125%
HK$54,931
baseline
▲ 0.50% · 4.625%
HK$57,827
+HK$2,896/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,862/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,231
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,104
−HK$1,904/mo
Today · 4.125%
HK$64,008
baseline
▲ 0.50% · 4.625%
HK$67,902
+HK$3,894/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$128,016/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,006
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,803
−HK$1,823/mo
Today · 4.125%
HK$70,626
baseline
▲ 0.50% · 4.625%
HK$74,349
+HK$3,723/mo
Deposit HK$1.47M · loan HK$13.21M · min. income ≈ HK$141,252/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,292 · Scale 2, in force from 26 Feb 2026)