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$33,862
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$1,070/mo
Today · 4.125%
HK$35,985
baseline
▲ 0.50% · 4.625%
HK$38,175
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,970/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,025/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,634
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,898
−HK$1,285/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,810
+HK$2,627/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,205
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,230/mo
Today · 4.125%
HK$47,648
baseline
▲ 0.50% · 4.625%
HK$50,159
+HK$2,511/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,296/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,881
−HK$1,499/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,445
+HK$3,065/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,740
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,154
−HK$1,435/mo
Today · 4.125%
HK$55,589
baseline
▲ 0.50% · 4.625%
HK$58,519
+HK$2,930/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,178/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,952
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,848
−HK$1,926/mo
Today · 4.125%
HK$64,774
baseline
▲ 0.50% · 4.625%
HK$68,715
+HK$3,941/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,548/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,808
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$1,845/mo
Today · 4.125%
HK$71,472
baseline
▲ 0.50% · 4.625%
HK$75,239
+HK$3,767/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,944/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,879 · Scale 2, in force from 26 Feb 2026)