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$33,319
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$1,053/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,563
+HK$2,154/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,009/mo
Today · 4.125%
HK$39,070
baseline
▲ 0.50% · 4.625%
HK$41,129
+HK$2,059/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,140/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,983
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,263/mo
Today · 4.125%
HK$42,490
baseline
▲ 0.50% · 4.625%
HK$45,076
+HK$2,586/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$84,980/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,481
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,210/mo
Today · 4.125%
HK$46,884
baseline
▲ 0.50% · 4.625%
HK$49,355
+HK$2,471/mo
Deposit HK$5.84M · loan HK$8.77M · min. income ≈ HK$93,768/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,647
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,098
−HK$1,474/mo
Today · 4.125%
HK$49,572
baseline
▲ 0.50% · 4.625%
HK$52,588
+HK$3,016/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$99,144/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,894
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,286
−HK$1,412/mo
Today · 4.125%
HK$54,698
baseline
▲ 0.50% · 4.625%
HK$57,581
+HK$2,883/mo
Deposit HK$4.38M · loan HK$10.23M · min. income ≈ HK$109,396/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,975
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,896/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,878/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,721
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,511
−HK$1,815/mo
Today · 4.125%
HK$70,326
baseline
▲ 0.50% · 4.625%
HK$74,033
+HK$3,707/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,652/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,953 · Scale 2, in force from 26 Feb 2026)