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$33,167
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,199
−HK$1,048/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,392
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,898
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,888
−HK$1,004/mo
Today · 4.125%
HK$38,892
baseline
▲ 0.50% · 4.625%
HK$40,942
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,784/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,039
−HK$1,257/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,870
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,278
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,465
−HK$1,205/mo
Today · 4.125%
HK$46,670
baseline
▲ 0.50% · 4.625%
HK$49,130
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,340/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,434
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,878
−HK$1,468/mo
Today · 4.125%
HK$49,346
baseline
▲ 0.50% · 4.625%
HK$52,348
+HK$3,002/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,692/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,657
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,043
−HK$1,405/mo
Today · 4.125%
HK$54,448
baseline
▲ 0.50% · 4.625%
HK$57,318
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,896/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,701
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,558
−HK$1,887/mo
Today · 4.125%
HK$63,445
baseline
▲ 0.50% · 4.625%
HK$67,305
+HK$3,860/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,890/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,417
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$68,198
−HK$1,807/mo
Today · 4.125%
HK$70,005
baseline
▲ 0.50% · 4.625%
HK$73,695
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,010/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,451 · Scale 2, in force from 26 Feb 2026)