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$33,894
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,949
−HK$1,071/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$38,211
+HK$2,191/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,707
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,718
−HK$1,026/mo
Today · 4.125%
HK$39,744
baseline
▲ 0.50% · 4.625%
HK$41,839
+HK$2,095/mo
Deposit HK$7.43M · loan HK$7.43M · min. income ≈ HK$79,488/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,673
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,286/mo
Today · 4.125%
HK$43,224
baseline
▲ 0.50% · 4.625%
HK$45,854
+HK$2,630/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,448/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,248
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,462
−HK$1,231/mo
Today · 4.125%
HK$47,693
baseline
▲ 0.50% · 4.625%
HK$50,207
+HK$2,514/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,386/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,452
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,928
−HK$1,500/mo
Today · 4.125%
HK$50,428
baseline
▲ 0.50% · 4.625%
HK$53,496
+HK$3,068/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$100,856/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,790
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,206
−HK$1,436/mo
Today · 4.125%
HK$55,642
baseline
▲ 0.50% · 4.625%
HK$58,575
+HK$2,933/mo
Deposit HK$4.46M · loan HK$10.40M · min. income ≈ HK$111,284/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,010
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,907
−HK$1,928/mo
Today · 4.125%
HK$64,835
baseline
▲ 0.50% · 4.625%
HK$68,781
+HK$3,946/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,670/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,873
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,693
−HK$1,847/mo
Today · 4.125%
HK$71,540
baseline
▲ 0.50% · 4.625%
HK$75,310
+HK$3,770/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,080/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,409 · Scale 2, in force from 26 Feb 2026)