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$33,833
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,885
−HK$1,069/mo
Today · 4.125%
HK$35,954
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$2,188/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$71,908/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,024/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,091/mo
Deposit HK$7.42M · loan HK$7.42M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,599
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,862
−HK$1,283/mo
Today · 4.125%
HK$43,145
baseline
▲ 0.50% · 4.625%
HK$45,771
+HK$2,626/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$86,290/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,166
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,229/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,509/mo
Deposit HK$5.93M · loan HK$8.90M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,497/mo
Today · 4.125%
HK$50,336
baseline
▲ 0.50% · 4.625%
HK$53,399
+HK$3,063/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$100,672/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,694
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,107
−HK$1,434/mo
Today · 4.125%
HK$55,541
baseline
▲ 0.50% · 4.625%
HK$58,469
+HK$2,928/mo
Deposit HK$4.45M · loan HK$10.39M · min. income ≈ HK$111,082/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,899
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,925/mo
Today · 4.125%
HK$64,718
baseline
▲ 0.50% · 4.625%
HK$68,656
+HK$3,938/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$129,436/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,750
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$69,567
−HK$1,843/mo
Today · 4.125%
HK$71,410
baseline
▲ 0.50% · 4.625%
HK$75,174
+HK$3,764/mo
Deposit HK$1.48M · loan HK$13.35M · min. income ≈ HK$142,820/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$556,399 · Scale 2, in force from 26 Feb 2026)