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$33,949
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,005
−HK$1,073/mo
Today · 4.125%
HK$36,078
baseline
▲ 0.50% · 4.625%
HK$38,273
+HK$2,195/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,156/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,768
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,781
−HK$1,027/mo
Today · 4.125%
HK$39,808
baseline
▲ 0.50% · 4.625%
HK$41,907
+HK$2,099/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,616/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,006
−HK$1,287/mo
Today · 4.125%
HK$43,293
baseline
▲ 0.50% · 4.625%
HK$45,928
+HK$2,635/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$86,586/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,321
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,537
−HK$1,233/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,288
+HK$2,518/mo
Deposit HK$5.96M · loan HK$8.93M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,528
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,502/mo
Today · 4.125%
HK$50,509
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$3,073/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$101,018/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,875
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,293
−HK$1,439/mo
Today · 4.125%
HK$55,732
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$2,937/mo
Deposit HK$4.47M · loan HK$10.42M · min. income ≈ HK$111,464/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,108
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,009
−HK$1,931/mo
Today · 4.125%
HK$64,940
baseline
▲ 0.50% · 4.625%
HK$68,891
+HK$3,951/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$129,880/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,982
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,805
−HK$1,850/mo
Today · 4.125%
HK$71,655
baseline
▲ 0.50% · 4.625%
HK$75,432
+HK$3,777/mo
Deposit HK$1.49M · loan HK$13.40M · min. income ≈ HK$143,310/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$558,307 · Scale 2, in force from 26 Feb 2026)