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$33,331
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,368
−HK$1,053/mo
Today · 4.125%
HK$35,421
baseline
▲ 0.50% · 4.625%
HK$37,577
+HK$2,156/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,842/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,081
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,075
−HK$1,009/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,144
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,998
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,242
−HK$1,264/mo
Today · 4.125%
HK$42,506
baseline
▲ 0.50% · 4.625%
HK$45,092
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,012/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,497
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,690
−HK$1,211/mo
Today · 4.125%
HK$46,901
baseline
▲ 0.50% · 4.625%
HK$49,373
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,802/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,664
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,115
−HK$1,475/mo
Today · 4.125%
HK$49,590
baseline
▲ 0.50% · 4.625%
HK$52,607
+HK$3,017/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,180/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,913
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,305
−HK$1,413/mo
Today · 4.125%
HK$54,718
baseline
▲ 0.50% · 4.625%
HK$57,602
+HK$2,884/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,436/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,996
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,862
−HK$1,897/mo
Today · 4.125%
HK$63,759
baseline
▲ 0.50% · 4.625%
HK$67,638
+HK$3,879/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,518/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,745
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,535
−HK$1,816/mo
Today · 4.125%
HK$70,351
baseline
▲ 0.50% · 4.625%
HK$74,060
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,702/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,150 · Scale 2, in force from 26 Feb 2026)