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$33,389
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$1,056/mo
Today · 4.125%
HK$35,483
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$2,159/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,966/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,145
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,010/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,215
+HK$2,064/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,067
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,313
−HK$1,266/mo
Today · 4.125%
HK$42,579
baseline
▲ 0.50% · 4.625%
HK$45,170
+HK$2,591/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,158/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,574
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,769
−HK$1,213/mo
Today · 4.125%
HK$46,982
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,476/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$93,964/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,744
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,198
−HK$1,478/mo
Today · 4.125%
HK$49,676
baseline
▲ 0.50% · 4.625%
HK$52,698
+HK$3,022/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,352/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,003
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,397
−HK$1,415/mo
Today · 4.125%
HK$54,812
baseline
▲ 0.50% · 4.625%
HK$57,701
+HK$2,889/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,624/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,100
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,969
−HK$1,900/mo
Today · 4.125%
HK$63,869
baseline
▲ 0.50% · 4.625%
HK$67,755
+HK$3,886/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,738/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,860
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,654
−HK$1,819/mo
Today · 4.125%
HK$70,473
baseline
▲ 0.50% · 4.625%
HK$74,187
+HK$3,714/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$140,946/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,096 · Scale 2, in force from 26 Feb 2026)