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$33,137
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$1,047/mo
Today · 4.125%
HK$35,215
baseline
▲ 0.50% · 4.625%
HK$37,358
+HK$2,143/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,430/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,003/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$40,905
+HK$2,048/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,257/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,571/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,425
−HK$1,203/mo
Today · 4.125%
HK$46,628
baseline
▲ 0.50% · 4.625%
HK$49,086
+HK$2,458/mo
Deposit HK$5.81M · loan HK$8.72M · min. income ≈ HK$93,256/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,392
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,466/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$52,302
+HK$3,000/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,611
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,995
−HK$1,405/mo
Today · 4.125%
HK$54,400
baseline
▲ 0.50% · 4.625%
HK$57,267
+HK$2,867/mo
Deposit HK$4.36M · loan HK$10.17M · min. income ≈ HK$108,800/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,647
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$61,503
−HK$1,885/mo
Today · 4.125%
HK$63,388
baseline
▲ 0.50% · 4.625%
HK$67,245
+HK$3,857/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$126,776/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,357
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$68,137
−HK$1,805/mo
Today · 4.125%
HK$69,942
baseline
▲ 0.50% · 4.625%
HK$73,629
+HK$3,687/mo
Deposit HK$1.45M · loan HK$13.08M · min. income ≈ HK$139,884/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,964 · Scale 2, in force from 26 Feb 2026)