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$33,170
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,202
−HK$1,048/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$2,145/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,901
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$37,891
−HK$1,004/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$40,945
+HK$2,050/mo
Deposit HK$7.27M · loan HK$7.27M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,804
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,258/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,574/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,205/mo
Today · 4.125%
HK$46,674
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,460/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,348/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,438
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,882
−HK$1,468/mo
Today · 4.125%
HK$49,350
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$3,003/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$98,700/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,662
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,047
−HK$1,406/mo
Today · 4.125%
HK$54,453
baseline
▲ 0.50% · 4.625%
HK$57,323
+HK$2,870/mo
Deposit HK$4.36M · loan HK$10.18M · min. income ≈ HK$108,906/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,706
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$61,563
−HK$1,887/mo
Today · 4.125%
HK$63,450
baseline
▲ 0.50% · 4.625%
HK$67,311
+HK$3,861/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$126,900/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,422
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,204
−HK$1,807/mo
Today · 4.125%
HK$70,011
baseline
▲ 0.50% · 4.625%
HK$73,701
+HK$3,690/mo
Deposit HK$1.45M · loan HK$13.09M · min. income ≈ HK$140,022/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,498 · Scale 2, in force from 26 Feb 2026)