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$33,875
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,929
−HK$1,071/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$38,190
+HK$2,190/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,686
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,025/mo
Today · 4.125%
HK$39,722
baseline
▲ 0.50% · 4.625%
HK$41,816
+HK$2,094/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,444/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,650
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,285/mo
Today · 4.125%
HK$43,200
baseline
▲ 0.50% · 4.625%
HK$45,828
+HK$2,628/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$86,400/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,223
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,436
−HK$1,230/mo
Today · 4.125%
HK$47,666
baseline
▲ 0.50% · 4.625%
HK$50,179
+HK$2,513/mo
Deposit HK$5.94M · loan HK$8.91M · min. income ≈ HK$95,332/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,425
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,498/mo
Today · 4.125%
HK$50,399
baseline
▲ 0.50% · 4.625%
HK$53,466
+HK$3,067/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,798/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,760
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,175
−HK$1,436/mo
Today · 4.125%
HK$55,611
baseline
▲ 0.50% · 4.625%
HK$58,542
+HK$2,931/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,222/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,976
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,872
−HK$1,927/mo
Today · 4.125%
HK$64,799
baseline
▲ 0.50% · 4.625%
HK$68,742
+HK$3,943/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$129,598/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,835
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,654
−HK$1,846/mo
Today · 4.125%
HK$71,500
baseline
▲ 0.50% · 4.625%
HK$75,269
+HK$3,769/mo
Deposit HK$1.49M · loan HK$13.37M · min. income ≈ HK$143,000/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,098 · Scale 2, in force from 26 Feb 2026)