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$33,771
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$1,067/mo
Today · 4.125%
HK$35,889
baseline
▲ 0.50% · 4.625%
HK$38,073
+HK$2,184/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,778/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,570
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,022/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$41,688
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,526
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,786
−HK$1,281/mo
Today · 4.125%
HK$43,067
baseline
▲ 0.50% · 4.625%
HK$45,688
+HK$2,621/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,134/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,085
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,294
−HK$1,226/mo
Today · 4.125%
HK$47,520
baseline
▲ 0.50% · 4.625%
HK$50,025
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,040/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,280
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,494/mo
Today · 4.125%
HK$50,245
baseline
▲ 0.50% · 4.625%
HK$53,302
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,490/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,599
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,009
−HK$1,431/mo
Today · 4.125%
HK$55,440
baseline
▲ 0.50% · 4.625%
HK$58,363
+HK$2,923/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,880/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,789
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$62,680
−HK$1,921/mo
Today · 4.125%
HK$64,601
baseline
▲ 0.50% · 4.625%
HK$68,531
+HK$3,930/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,202/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,627
−HK$3,653/mo
▼ 0.25% · 3.875%
HK$69,441
−HK$1,839/mo
Today · 4.125%
HK$71,280
baseline
▲ 0.50% · 4.625%
HK$75,038
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,560/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,390 · Scale 2, in force from 26 Feb 2026)