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$33,122
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$1,046/mo
Today · 4.125%
HK$35,199
baseline
▲ 0.50% · 4.625%
HK$37,341
+HK$2,142/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,398/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,836
−HK$1,003/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,047/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,983
−HK$1,256/mo
Today · 4.125%
HK$42,239
baseline
▲ 0.50% · 4.625%
HK$44,809
+HK$2,570/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,478/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,218
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,404
−HK$1,203/mo
Today · 4.125%
HK$46,607
baseline
▲ 0.50% · 4.625%
HK$49,064
+HK$2,457/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,214/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,371
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,465/mo
Today · 4.125%
HK$49,279
baseline
▲ 0.50% · 4.625%
HK$52,278
+HK$2,999/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,558/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,588
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,971
−HK$1,404/mo
Today · 4.125%
HK$54,375
baseline
▲ 0.50% · 4.625%
HK$57,241
+HK$2,866/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,750/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,620
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$61,475
−HK$1,884/mo
Today · 4.125%
HK$63,359
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,855/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$126,718/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,327
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$68,106
−HK$1,804/mo
Today · 4.125%
HK$69,910
baseline
▲ 0.50% · 4.625%
HK$73,595
+HK$3,685/mo
Deposit HK$1.45M · loan HK$13.07M · min. income ≈ HK$139,820/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,714 · Scale 2, in force from 26 Feb 2026)