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$33,428
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$1,056/mo
Today · 4.125%
HK$35,524
baseline
▲ 0.50% · 4.625%
HK$37,686
+HK$2,162/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,048/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,186
−HK$1,011/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,263
+HK$2,066/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,113
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,268/mo
Today · 4.125%
HK$42,629
baseline
▲ 0.50% · 4.625%
HK$45,223
+HK$2,594/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$85,258/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,823
−HK$1,214/mo
Today · 4.125%
HK$47,037
baseline
▲ 0.50% · 4.625%
HK$49,516
+HK$2,479/mo
Deposit HK$5.86M · loan HK$8.80M · min. income ≈ HK$94,074/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,799
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,255
−HK$1,479/mo
Today · 4.125%
HK$49,734
baseline
▲ 0.50% · 4.625%
HK$52,760
+HK$3,026/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,468/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,063
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,460
−HK$1,416/mo
Today · 4.125%
HK$54,876
baseline
▲ 0.50% · 4.625%
HK$57,769
+HK$2,893/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,752/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,170
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,042
−HK$1,901/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,834
+HK$3,891/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,939
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,734
−HK$1,821/mo
Today · 4.125%
HK$70,555
baseline
▲ 0.50% · 4.625%
HK$74,274
+HK$3,719/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,110/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$549,739 · Scale 2, in force from 26 Feb 2026)