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$33,040
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$1,045/mo
Today · 4.125%
HK$35,112
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,224/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,756
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$37,742
−HK$1,000/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,042/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,881
−HK$1,253/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,564/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,108
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,291
−HK$1,200/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,450/mo
Deposit HK$5.80M · loan HK$8.69M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,256
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,694
−HK$1,462/mo
Today · 4.125%
HK$49,156
baseline
▲ 0.50% · 4.625%
HK$52,147
+HK$2,991/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,312/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,459
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,839
−HK$1,400/mo
Today · 4.125%
HK$54,239
baseline
▲ 0.50% · 4.625%
HK$57,098
+HK$2,859/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,478/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,471
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,321
−HK$1,880/mo
Today · 4.125%
HK$63,201
baseline
▲ 0.50% · 4.625%
HK$67,046
+HK$3,845/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,402/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,161
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,936
−HK$1,800/mo
Today · 4.125%
HK$69,736
baseline
▲ 0.50% · 4.625%
HK$73,412
+HK$3,676/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,472/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,355 · Scale 2, in force from 26 Feb 2026)