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$33,920
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,975
−HK$1,072/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$38,240
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,735
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,027/mo
Today · 4.125%
HK$39,774
baseline
▲ 0.50% · 4.625%
HK$41,871
+HK$2,097/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,548/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,970
−HK$1,286/mo
Today · 4.125%
HK$43,256
baseline
▲ 0.50% · 4.625%
HK$45,888
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$86,512/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,282
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,497
−HK$1,232/mo
Today · 4.125%
HK$47,729
baseline
▲ 0.50% · 4.625%
HK$50,245
+HK$2,516/mo
Deposit HK$5.95M · loan HK$8.93M · min. income ≈ HK$95,458/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,488
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,965
−HK$1,500/mo
Today · 4.125%
HK$50,465
baseline
▲ 0.50% · 4.625%
HK$53,536
+HK$3,071/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,930/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,829
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,246
−HK$1,438/mo
Today · 4.125%
HK$55,684
baseline
▲ 0.50% · 4.625%
HK$58,619
+HK$2,935/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,368/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,055
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,955
−HK$1,929/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,832
+HK$3,948/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,924
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,745
−HK$1,848/mo
Today · 4.125%
HK$71,593
baseline
▲ 0.50% · 4.625%
HK$75,367
+HK$3,774/mo
Deposit HK$1.49M · loan HK$13.39M · min. income ≈ HK$143,186/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$557,827 · Scale 2, in force from 26 Feb 2026)