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$33,999
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$1,075/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,030/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$41,968
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,734/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,798
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,067
−HK$1,290/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,995
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,235/mo
Today · 4.125%
HK$47,840
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,680/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,598
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,079
−HK$1,504/mo
Today · 4.125%
HK$50,583
baseline
▲ 0.50% · 4.625%
HK$53,661
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,166/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,952
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,372
−HK$1,441/mo
Today · 4.125%
HK$55,813
baseline
▲ 0.50% · 4.625%
HK$58,755
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,626/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,197
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,101
−HK$1,934/mo
Today · 4.125%
HK$65,035
baseline
▲ 0.50% · 4.625%
HK$68,992
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,070/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,081
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,907
−HK$1,853/mo
Today · 4.125%
HK$71,760
baseline
▲ 0.50% · 4.625%
HK$75,542
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,520/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,124 · Scale 2, in force from 26 Feb 2026)