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$33,011
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$34,038
−HK$1,043/mo
Today · 4.125%
HK$35,081
baseline
▲ 0.50% · 4.625%
HK$37,216
+HK$2,135/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,162/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,724
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$1,000/mo
Today · 4.125%
HK$38,709
baseline
▲ 0.50% · 4.625%
HK$40,749
+HK$2,040/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,418/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,613
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,845
−HK$1,252/mo
Today · 4.125%
HK$42,097
baseline
▲ 0.50% · 4.625%
HK$44,659
+HK$2,562/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,194/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,069
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,199/mo
Today · 4.125%
HK$46,450
baseline
▲ 0.50% · 4.625%
HK$48,899
+HK$2,449/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,900/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,215
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,653
−HK$1,461/mo
Today · 4.125%
HK$49,114
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,988/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$98,228/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,414
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,793
−HK$1,399/mo
Today · 4.125%
HK$54,192
baseline
▲ 0.50% · 4.625%
HK$57,048
+HK$2,856/mo
Deposit HK$4.34M · loan HK$10.13M · min. income ≈ HK$108,384/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,420
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,268
−HK$1,878/mo
Today · 4.125%
HK$63,146
baseline
▲ 0.50% · 4.625%
HK$66,988
+HK$3,842/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$126,292/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,104
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,877
−HK$1,798/mo
Today · 4.125%
HK$69,675
baseline
▲ 0.50% · 4.625%
HK$73,348
+HK$3,673/mo
Deposit HK$1.45M · loan HK$13.03M · min. income ≈ HK$139,350/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$542,884 · Scale 2, in force from 26 Feb 2026)