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$33,133
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$1,047/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,861
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,849
−HK$1,003/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$40,900
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,760
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,997
−HK$1,256/mo
Today · 4.125%
HK$42,253
baseline
▲ 0.50% · 4.625%
HK$44,824
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,506/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,233
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,419
−HK$1,204/mo
Today · 4.125%
HK$46,623
baseline
▲ 0.50% · 4.625%
HK$49,080
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,246/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,387
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,830
−HK$1,466/mo
Today · 4.125%
HK$49,296
baseline
▲ 0.50% · 4.625%
HK$52,295
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,592/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,605
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,989
−HK$1,404/mo
Today · 4.125%
HK$54,393
baseline
▲ 0.50% · 4.625%
HK$57,260
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,786/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,640
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$61,495
−HK$1,885/mo
Today · 4.125%
HK$63,380
baseline
▲ 0.50% · 4.625%
HK$67,237
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,760/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,349
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,129
−HK$1,805/mo
Today · 4.125%
HK$69,934
baseline
▲ 0.50% · 4.625%
HK$73,620
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,868/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,897 · Scale 2, in force from 26 Feb 2026)