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$33,334
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$1,054/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$2,155/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,078
−HK$1,009/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,147
+HK$2,060/mo
Deposit HK$7.31M · loan HK$7.31M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,265/mo
Today · 4.125%
HK$42,509
baseline
▲ 0.50% · 4.625%
HK$45,095
+HK$2,586/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$85,018/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,500
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,211/mo
Today · 4.125%
HK$46,904
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,472/mo
Deposit HK$5.85M · loan HK$8.77M · min. income ≈ HK$93,808/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,667
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,119
−HK$1,474/mo
Today · 4.125%
HK$49,593
baseline
▲ 0.50% · 4.625%
HK$52,611
+HK$3,018/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$99,186/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,916
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,309
−HK$1,412/mo
Today · 4.125%
HK$54,721
baseline
▲ 0.50% · 4.625%
HK$57,606
+HK$2,885/mo
Deposit HK$4.39M · loan HK$10.23M · min. income ≈ HK$109,442/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,000
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,867
−HK$1,896/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,643
+HK$3,880/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,750
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,540
−HK$1,816/mo
Today · 4.125%
HK$70,356
baseline
▲ 0.50% · 4.625%
HK$74,065
+HK$3,709/mo
Deposit HK$1.46M · loan HK$13.16M · min. income ≈ HK$140,712/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$548,188 · Scale 2, in force from 26 Feb 2026)