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$33,993
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,050
−HK$1,074/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$2,198/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,831
−HK$1,028/mo
Today · 4.125%
HK$39,859
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,718/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,791
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,060
−HK$1,289/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,987
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,380
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,597
−HK$1,234/mo
Today · 4.125%
HK$47,831
baseline
▲ 0.50% · 4.625%
HK$50,353
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.94M · min. income ≈ HK$95,662/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,590
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,070
−HK$1,504/mo
Today · 4.125%
HK$50,574
baseline
▲ 0.50% · 4.625%
HK$53,651
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,148/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,943
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,363
−HK$1,440/mo
Today · 4.125%
HK$55,803
baseline
▲ 0.50% · 4.625%
HK$58,745
+HK$2,942/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,606/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,187
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$63,090
−HK$1,933/mo
Today · 4.125%
HK$65,023
baseline
▲ 0.50% · 4.625%
HK$68,980
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,046/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,069
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,895
−HK$1,852/mo
Today · 4.125%
HK$71,747
baseline
▲ 0.50% · 4.625%
HK$75,529
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,494/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,025 · Scale 2, in force from 26 Feb 2026)