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$33,799
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$1,068/mo
Today · 4.125%
HK$35,918
baseline
▲ 0.50% · 4.625%
HK$38,104
+HK$2,186/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$71,836/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,601
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,023/mo
Today · 4.125%
HK$39,632
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,090/mo
Deposit HK$7.41M · loan HK$7.41M · min. income ≈ HK$79,264/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,559
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,282/mo
Today · 4.125%
HK$43,102
baseline
▲ 0.50% · 4.625%
HK$45,725
+HK$2,623/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$86,204/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,121
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,331
−HK$1,228/mo
Today · 4.125%
HK$47,559
baseline
▲ 0.50% · 4.625%
HK$50,066
+HK$2,507/mo
Deposit HK$5.93M · loan HK$8.89M · min. income ≈ HK$95,118/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,319
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,790
−HK$1,496/mo
Today · 4.125%
HK$50,286
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$3,060/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$100,572/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,641
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,053
−HK$1,432/mo
Today · 4.125%
HK$55,485
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$2,925/mo
Deposit HK$4.45M · loan HK$10.38M · min. income ≈ HK$110,970/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,838
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$62,730
−HK$1,923/mo
Today · 4.125%
HK$64,653
baseline
▲ 0.50% · 4.625%
HK$68,587
+HK$3,934/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$129,306/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,682
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$69,497
−HK$1,841/mo
Today · 4.125%
HK$71,338
baseline
▲ 0.50% · 4.625%
HK$75,099
+HK$3,761/mo
Deposit HK$1.48M · loan HK$13.34M · min. income ≈ HK$142,676/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,841 · Scale 2, in force from 26 Feb 2026)