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$33,684
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,732
−HK$1,065/mo
Today · 4.125%
HK$35,797
baseline
▲ 0.50% · 4.625%
HK$37,975
+HK$2,178/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,594/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,020/mo
Today · 4.125%
HK$39,498
baseline
▲ 0.50% · 4.625%
HK$41,580
+HK$2,082/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$78,996/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,421
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,678
−HK$1,278/mo
Today · 4.125%
HK$42,956
baseline
▲ 0.50% · 4.625%
HK$45,570
+HK$2,614/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$85,912/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,968
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,174
−HK$1,224/mo
Today · 4.125%
HK$47,398
baseline
▲ 0.50% · 4.625%
HK$49,896
+HK$2,498/mo
Deposit HK$5.91M · loan HK$8.86M · min. income ≈ HK$94,796/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,158
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,625
−HK$1,490/mo
Today · 4.125%
HK$50,115
baseline
▲ 0.50% · 4.625%
HK$53,165
+HK$3,050/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$100,230/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,463
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,870
−HK$1,427/mo
Today · 4.125%
HK$55,297
baseline
▲ 0.50% · 4.625%
HK$58,212
+HK$2,915/mo
Deposit HK$4.43M · loan HK$10.34M · min. income ≈ HK$110,594/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,632
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,518
−HK$1,916/mo
Today · 4.125%
HK$64,434
baseline
▲ 0.50% · 4.625%
HK$68,354
+HK$3,920/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$128,868/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,452
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,261
−HK$1,835/mo
Today · 4.125%
HK$71,096
baseline
▲ 0.50% · 4.625%
HK$74,844
+HK$3,748/mo
Deposit HK$1.48M · loan HK$13.29M · min. income ≈ HK$142,192/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$553,955 · Scale 2, in force from 26 Feb 2026)