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$33,785
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,836
−HK$1,067/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$38,088
+HK$2,185/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,585
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,023/mo
Today · 4.125%
HK$39,616
baseline
▲ 0.50% · 4.625%
HK$41,704
+HK$2,088/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,232/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,542
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,281/mo
Today · 4.125%
HK$43,084
baseline
▲ 0.50% · 4.625%
HK$45,706
+HK$2,622/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,168/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,102
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,312
−HK$1,227/mo
Today · 4.125%
HK$47,539
baseline
▲ 0.50% · 4.625%
HK$50,045
+HK$2,506/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,078/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,299
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,770
−HK$1,495/mo
Today · 4.125%
HK$50,265
baseline
▲ 0.50% · 4.625%
HK$53,323
+HK$3,058/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,530/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,619
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,031
−HK$1,431/mo
Today · 4.125%
HK$55,462
baseline
▲ 0.50% · 4.625%
HK$58,386
+HK$2,924/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,924/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,813
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$62,704
−HK$1,922/mo
Today · 4.125%
HK$64,626
baseline
▲ 0.50% · 4.625%
HK$68,559
+HK$3,933/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,252/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,654
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$69,468
−HK$1,841/mo
Today · 4.125%
HK$71,309
baseline
▲ 0.50% · 4.625%
HK$75,067
+HK$3,758/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,618/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,610 · Scale 2, in force from 26 Feb 2026)