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$33,029
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$1,043/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$37,236
+HK$2,136/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$70,200/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,745
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,730
−HK$1,000/mo
Today · 4.125%
HK$38,730
baseline
▲ 0.50% · 4.625%
HK$40,771
+HK$2,041/mo
Deposit HK$7.24M · loan HK$7.24M · min. income ≈ HK$77,460/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,252/mo
Today · 4.125%
HK$42,120
baseline
▲ 0.50% · 4.625%
HK$44,683
+HK$2,563/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$84,240/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,276
−HK$1,200/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$48,926
+HK$2,450/mo
Deposit HK$5.79M · loan HK$8.69M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,241
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,679
−HK$1,462/mo
Today · 4.125%
HK$49,141
baseline
▲ 0.50% · 4.625%
HK$52,131
+HK$2,990/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$98,282/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,442
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,822
−HK$1,400/mo
Today · 4.125%
HK$54,222
baseline
▲ 0.50% · 4.625%
HK$57,080
+HK$2,858/mo
Deposit HK$4.35M · loan HK$10.14M · min. income ≈ HK$108,444/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,452
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,302
−HK$1,879/mo
Today · 4.125%
HK$63,181
baseline
▲ 0.50% · 4.625%
HK$67,025
+HK$3,844/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$126,362/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,140
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,914
−HK$1,800/mo
Today · 4.125%
HK$69,714
baseline
▲ 0.50% · 4.625%
HK$73,388
+HK$3,674/mo
Deposit HK$1.45M · loan HK$13.04M · min. income ≈ HK$139,428/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$543,182 · Scale 2, in force from 26 Feb 2026)