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$33,866
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,919
−HK$1,070/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,675
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,686
−HK$1,025/mo
Today · 4.125%
HK$39,711
baseline
▲ 0.50% · 4.625%
HK$41,804
+HK$2,093/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,422/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,639
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,284/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,423
−HK$1,230/mo
Today · 4.125%
HK$47,653
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,512/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,306/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,412
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,887
−HK$1,498/mo
Today · 4.125%
HK$50,385
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$3,066/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,770/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,160
−HK$1,435/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,526
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,958
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,854
−HK$1,927/mo
Today · 4.125%
HK$64,781
baseline
▲ 0.50% · 4.625%
HK$68,723
+HK$3,942/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,562/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,815
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,634
−HK$1,845/mo
Today · 4.125%
HK$71,479
baseline
▲ 0.50% · 4.625%
HK$75,247
+HK$3,768/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$142,958/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,940 · Scale 2, in force from 26 Feb 2026)