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$33,733
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$1,066/mo
Today · 4.125%
HK$35,849
baseline
▲ 0.50% · 4.625%
HK$38,030
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,698/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,528
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,021/mo
Today · 4.125%
HK$39,556
baseline
▲ 0.50% · 4.625%
HK$41,641
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,112/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,480
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,739
−HK$1,280/mo
Today · 4.125%
HK$43,019
baseline
▲ 0.50% · 4.625%
HK$45,636
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,038/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,034
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,241
−HK$1,226/mo
Today · 4.125%
HK$47,467
baseline
▲ 0.50% · 4.625%
HK$49,969
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,934/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,227
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,696
−HK$1,492/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$53,242
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,539
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,948
−HK$1,430/mo
Today · 4.125%
HK$55,378
baseline
▲ 0.50% · 4.625%
HK$58,297
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,756/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,720
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,609
−HK$1,919/mo
Today · 4.125%
HK$64,528
baseline
▲ 0.50% · 4.625%
HK$68,454
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,056/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,550
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,362
−HK$1,838/mo
Today · 4.125%
HK$71,200
baseline
▲ 0.50% · 4.625%
HK$74,953
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,400/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,763 · Scale 2, in force from 26 Feb 2026)