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$33,905
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$1,071/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$2,193/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,026/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$41,853
+HK$2,096/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,952
−HK$1,286/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,631/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,263
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,477
−HK$1,231/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,223
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,944
−HK$1,500/mo
Today · 4.125%
HK$50,444
baseline
▲ 0.50% · 4.625%
HK$53,513
+HK$3,069/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,888/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,807
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,223
−HK$1,437/mo
Today · 4.125%
HK$55,660
baseline
▲ 0.50% · 4.625%
HK$58,594
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,320/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,029
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,928
−HK$1,928/mo
Today · 4.125%
HK$64,856
baseline
▲ 0.50% · 4.625%
HK$68,803
+HK$3,947/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,712/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,895
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,715
−HK$1,848/mo
Today · 4.125%
HK$71,563
baseline
▲ 0.50% · 4.625%
HK$75,335
+HK$3,772/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,126/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,589 · Scale 2, in force from 26 Feb 2026)