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$33,995
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$1,074/mo
Today · 4.125%
HK$36,127
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,254/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,834
−HK$1,029/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$41,964
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,726/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,794
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,063
−HK$1,290/mo
Today · 4.125%
HK$43,353
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,706/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,601
−HK$1,234/mo
Today · 4.125%
HK$47,835
baseline
▲ 0.50% · 4.625%
HK$50,357
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,670/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,594
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,074
−HK$1,504/mo
Today · 4.125%
HK$50,578
baseline
▲ 0.50% · 4.625%
HK$53,656
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,156/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,947
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,367
−HK$1,441/mo
Today · 4.125%
HK$55,808
baseline
▲ 0.50% · 4.625%
HK$58,750
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,616/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,192
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,095
−HK$1,934/mo
Today · 4.125%
HK$65,029
baseline
▲ 0.50% · 4.625%
HK$68,986
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,058/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,075
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,901
−HK$1,852/mo
Today · 4.125%
HK$71,753
baseline
▲ 0.50% · 4.625%
HK$75,535
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,506/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,072 · Scale 2, in force from 26 Feb 2026)