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$33,527
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,569
−HK$1,060/mo
Today · 4.125%
HK$35,629
baseline
▲ 0.50% · 4.625%
HK$37,797
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,258/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,298
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,298
−HK$1,015/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,385
+HK$2,072/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,272/mo
Today · 4.125%
HK$42,755
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,601/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,510/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,757
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,218/mo
Today · 4.125%
HK$47,176
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,486/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,352/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,937
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,483/mo
Today · 4.125%
HK$49,880
baseline
▲ 0.50% · 4.625%
HK$52,916
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,760/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,217
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,617
−HK$1,421/mo
Today · 4.125%
HK$55,038
baseline
▲ 0.50% · 4.625%
HK$57,939
+HK$2,901/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,076/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,348
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,225
−HK$1,907/mo
Today · 4.125%
HK$64,132
baseline
▲ 0.50% · 4.625%
HK$68,034
+HK$3,902/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$128,264/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,136
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,937
−HK$1,826/mo
Today · 4.125%
HK$70,763
baseline
▲ 0.50% · 4.625%
HK$74,493
+HK$3,730/mo
Deposit HK$1.47M · loan HK$13.23M · min. income ≈ HK$141,526/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,361 · Scale 2, in force from 26 Feb 2026)