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$33,738
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$1,066/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,534
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,540
−HK$1,022/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,486
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,746
−HK$1,279/mo
Today · 4.125%
HK$43,025
baseline
▲ 0.50% · 4.625%
HK$45,643
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,050/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,040
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,248
−HK$1,226/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$49,976
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,234
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,493/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,547
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,956
−HK$1,430/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,729
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,618
−HK$1,920/mo
Today · 4.125%
HK$64,538
baseline
▲ 0.50% · 4.625%
HK$68,464
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,076/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,561
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,373
−HK$1,838/mo
Today · 4.125%
HK$71,211
baseline
▲ 0.50% · 4.625%
HK$74,964
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,422/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,847 · Scale 2, in force from 26 Feb 2026)