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$33,296
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$1,052/mo
Today · 4.125%
HK$35,384
baseline
▲ 0.50% · 4.625%
HK$37,537
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,768/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,041
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,008/mo
Today · 4.125%
HK$39,043
baseline
▲ 0.50% · 4.625%
HK$41,101
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,086/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,955
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,198
−HK$1,263/mo
Today · 4.125%
HK$42,461
baseline
▲ 0.50% · 4.625%
HK$45,044
+HK$2,583/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,922/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,450
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,642
−HK$1,209/mo
Today · 4.125%
HK$46,851
baseline
▲ 0.50% · 4.625%
HK$49,321
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,702/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,614
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,473/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,552
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,858
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,249
−HK$1,411/mo
Today · 4.125%
HK$54,660
baseline
▲ 0.50% · 4.625%
HK$57,541
+HK$2,881/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,320/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,933
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,797
−HK$1,894/mo
Today · 4.125%
HK$63,691
baseline
▲ 0.50% · 4.625%
HK$67,566
+HK$3,875/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,382/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,674
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,463
−HK$1,814/mo
Today · 4.125%
HK$70,277
baseline
▲ 0.50% · 4.625%
HK$73,981
+HK$3,704/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,554/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,568 · Scale 2, in force from 26 Feb 2026)