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$33,911
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$1,072/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$2,193/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,026/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,096/mo
Deposit HK$7.44M · loan HK$7.44M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,693
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,286/mo
Today · 4.125%
HK$43,244
baseline
▲ 0.50% · 4.625%
HK$45,876
+HK$2,632/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$86,488/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,270
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,484
−HK$1,232/mo
Today · 4.125%
HK$47,716
baseline
▲ 0.50% · 4.625%
HK$50,231
+HK$2,515/mo
Deposit HK$5.95M · loan HK$8.92M · min. income ≈ HK$95,432/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,475
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,951
−HK$1,501/mo
Today · 4.125%
HK$50,452
baseline
▲ 0.50% · 4.625%
HK$53,522
+HK$3,070/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$100,904/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,815
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,232
−HK$1,437/mo
Today · 4.125%
HK$55,669
baseline
▲ 0.50% · 4.625%
HK$58,603
+HK$2,934/mo
Deposit HK$4.46M · loan HK$10.41M · min. income ≈ HK$111,338/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,039
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,929/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,947/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,905
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,726
−HK$1,848/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,347
+HK$3,773/mo
Deposit HK$1.49M · loan HK$13.38M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$557,677 · Scale 2, in force from 26 Feb 2026)