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$33,547
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,590
−HK$1,060/mo
Today · 4.125%
HK$35,650
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,300/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,321
−HK$1,016/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,256
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,508
−HK$1,272/mo
Today · 4.125%
HK$42,780
baseline
▲ 0.50% · 4.625%
HK$45,383
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,560/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,784
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,985
−HK$1,219/mo
Today · 4.125%
HK$47,204
baseline
▲ 0.50% · 4.625%
HK$49,692
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,408/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,426
−HK$1,484/mo
Today · 4.125%
HK$49,910
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,820/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,248
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,650
−HK$1,421/mo
Today · 4.125%
HK$55,071
baseline
▲ 0.50% · 4.625%
HK$57,974
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,142/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,384
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,262
−HK$1,909/mo
Today · 4.125%
HK$64,171
baseline
▲ 0.50% · 4.625%
HK$68,075
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,342/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,177
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,978
−HK$1,828/mo
Today · 4.125%
HK$70,806
baseline
▲ 0.50% · 4.625%
HK$74,538
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,612/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,693 · Scale 2, in force from 26 Feb 2026)