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$33,178
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$1,048/mo
Today · 4.125%
HK$35,258
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,516/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,004/mo
Today · 4.125%
HK$38,904
baseline
▲ 0.50% · 4.625%
HK$40,955
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,808/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,813
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,052
−HK$1,258/mo
Today · 4.125%
HK$42,310
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,620/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,292
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,480
−HK$1,205/mo
Today · 4.125%
HK$46,685
baseline
▲ 0.50% · 4.625%
HK$49,146
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,370/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,449
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,894
−HK$1,468/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$52,365
+HK$3,003/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,674
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,060
−HK$1,406/mo
Today · 4.125%
HK$54,466
baseline
▲ 0.50% · 4.625%
HK$57,337
+HK$2,871/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,932/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,720
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,578
−HK$1,887/mo
Today · 4.125%
HK$63,465
baseline
▲ 0.50% · 4.625%
HK$67,327
+HK$3,862/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,930/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,438
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,220
−HK$1,807/mo
Today · 4.125%
HK$70,027
baseline
▲ 0.50% · 4.625%
HK$73,719
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,054/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,627 · Scale 2, in force from 26 Feb 2026)