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$33,722
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$1,065/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$38,017
+HK$2,181/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,521
−HK$1,021/mo
Today · 4.125%
HK$39,542
baseline
▲ 0.50% · 4.625%
HK$41,626
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,084/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,466
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,725
−HK$1,279/mo
Today · 4.125%
HK$43,004
baseline
▲ 0.50% · 4.625%
HK$45,620
+HK$2,616/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$86,008/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,018
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,225
−HK$1,225/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$49,951
+HK$2,501/mo
Deposit HK$5.92M · loan HK$8.87M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,210
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,679
−HK$1,492/mo
Today · 4.125%
HK$50,171
baseline
▲ 0.50% · 4.625%
HK$53,224
+HK$3,053/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$100,342/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,521
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,930
−HK$1,429/mo
Today · 4.125%
HK$55,359
baseline
▲ 0.50% · 4.625%
HK$58,277
+HK$2,918/mo
Deposit HK$4.44M · loan HK$10.35M · min. income ≈ HK$110,718/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,699
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,587
−HK$1,918/mo
Today · 4.125%
HK$64,505
baseline
▲ 0.50% · 4.625%
HK$68,430
+HK$3,925/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,010/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,527
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,338
−HK$1,837/mo
Today · 4.125%
HK$71,175
baseline
▲ 0.50% · 4.625%
HK$74,927
+HK$3,752/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,350/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,571 · Scale 2, in force from 26 Feb 2026)