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$33,126
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$1,047/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,852
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,841
−HK$1,002/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,048/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,751
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,988
−HK$1,256/mo
Today · 4.125%
HK$42,244
baseline
▲ 0.50% · 4.625%
HK$44,814
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,488/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,223
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,409
−HK$1,203/mo
Today · 4.125%
HK$46,612
baseline
▲ 0.50% · 4.625%
HK$49,069
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,224/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,376
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,819
−HK$1,466/mo
Today · 4.125%
HK$49,285
baseline
▲ 0.50% · 4.625%
HK$52,283
+HK$2,998/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,570/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,404/mo
Today · 4.125%
HK$54,381
baseline
▲ 0.50% · 4.625%
HK$57,247
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,762/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,627
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,482
−HK$1,884/mo
Today · 4.125%
HK$63,366
baseline
▲ 0.50% · 4.625%
HK$67,222
+HK$3,856/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,732/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,334
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$68,113
−HK$1,805/mo
Today · 4.125%
HK$69,918
baseline
▲ 0.50% · 4.625%
HK$73,604
+HK$3,686/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,836/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,775 · Scale 2, in force from 26 Feb 2026)