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$33,486
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$1,059/mo
Today · 4.125%
HK$35,586
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$2,165/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$71,172/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,252
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,252
−HK$1,013/mo
Today · 4.125%
HK$39,265
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,070/mo
Deposit HK$7.34M · loan HK$7.34M · min. income ≈ HK$78,530/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,183
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,270/mo
Today · 4.125%
HK$42,703
baseline
▲ 0.50% · 4.625%
HK$45,301
+HK$2,598/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$85,406/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,703
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,902
−HK$1,216/mo
Today · 4.125%
HK$47,118
baseline
▲ 0.50% · 4.625%
HK$49,602
+HK$2,484/mo
Deposit HK$5.87M · loan HK$8.81M · min. income ≈ HK$94,236/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,880
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,482/mo
Today · 4.125%
HK$49,820
baseline
▲ 0.50% · 4.625%
HK$52,851
+HK$3,031/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$99,640/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,153
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,552
−HK$1,419/mo
Today · 4.125%
HK$54,971
baseline
▲ 0.50% · 4.625%
HK$57,869
+HK$2,898/mo
Deposit HK$4.41M · loan HK$10.28M · min. income ≈ HK$109,942/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,274
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,149
−HK$1,905/mo
Today · 4.125%
HK$64,054
baseline
▲ 0.50% · 4.625%
HK$67,951
+HK$3,897/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$128,108/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,054
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,853
−HK$1,824/mo
Today · 4.125%
HK$70,677
baseline
▲ 0.50% · 4.625%
HK$74,403
+HK$3,726/mo
Deposit HK$1.47M · loan HK$13.22M · min. income ≈ HK$141,354/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,690 · Scale 2, in force from 26 Feb 2026)