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$34,008
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$1,075/mo
Today · 4.125%
HK$36,140
baseline
▲ 0.50% · 4.625%
HK$38,339
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,280/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,833
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,029/mo
Today · 4.125%
HK$39,877
baseline
▲ 0.50% · 4.625%
HK$41,979
+HK$2,102/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,754/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,809
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,289/mo
Today · 4.125%
HK$43,368
baseline
▲ 0.50% · 4.625%
HK$46,007
+HK$2,639/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$86,736/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,400
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,617
−HK$1,236/mo
Today · 4.125%
HK$47,853
baseline
▲ 0.50% · 4.625%
HK$50,375
+HK$2,522/mo
Deposit HK$5.97M · loan HK$8.95M · min. income ≈ HK$95,706/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,611
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,092
−HK$1,504/mo
Today · 4.125%
HK$50,596
baseline
▲ 0.50% · 4.625%
HK$53,675
+HK$3,079/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,192/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,966
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,387
−HK$1,441/mo
Today · 4.125%
HK$55,828
baseline
▲ 0.50% · 4.625%
HK$58,771
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,656/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,214
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,118
−HK$1,934/mo
Today · 4.125%
HK$65,052
baseline
▲ 0.50% · 4.625%
HK$69,011
+HK$3,959/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,104/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,100
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,926
−HK$1,853/mo
Today · 4.125%
HK$71,779
baseline
▲ 0.50% · 4.625%
HK$75,563
+HK$3,784/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,558/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,274 · Scale 2, in force from 26 Feb 2026)