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$33,733
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,782
−HK$1,066/mo
Today · 4.125%
HK$35,848
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$2,181/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,696/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,527
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,534
−HK$1,021/mo
Today · 4.125%
HK$39,555
baseline
▲ 0.50% · 4.625%
HK$41,640
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,110/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,479
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,280/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,635
+HK$2,617/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,241
−HK$1,225/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,226
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,695
−HK$1,492/mo
Today · 4.125%
HK$50,187
baseline
▲ 0.50% · 4.625%
HK$53,241
+HK$3,054/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,374/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,538
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,947
−HK$1,430/mo
Today · 4.125%
HK$55,377
baseline
▲ 0.50% · 4.625%
HK$58,296
+HK$2,919/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,754/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,719
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,608
−HK$1,919/mo
Today · 4.125%
HK$64,527
baseline
▲ 0.50% · 4.625%
HK$68,453
+HK$3,926/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$129,054/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,549
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,361
−HK$1,838/mo
Today · 4.125%
HK$71,199
baseline
▲ 0.50% · 4.625%
HK$74,952
+HK$3,753/mo
Deposit HK$1.48M · loan HK$13.31M · min. income ≈ HK$142,398/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,753 · Scale 2, in force from 26 Feb 2026)