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$33,536
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,579
−HK$1,060/mo
Today · 4.125%
HK$35,639
baseline
▲ 0.50% · 4.625%
HK$37,808
+HK$2,169/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,278/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,308
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,015/mo
Today · 4.125%
HK$39,324
baseline
▲ 0.50% · 4.625%
HK$41,397
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,648/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,243
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,495
−HK$1,272/mo
Today · 4.125%
HK$42,767
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,602/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,534/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,770
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,971
−HK$1,218/mo
Today · 4.125%
HK$47,189
baseline
▲ 0.50% · 4.625%
HK$49,676
+HK$2,487/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,378/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,950
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,411
−HK$1,484/mo
Today · 4.125%
HK$49,895
baseline
▲ 0.50% · 4.625%
HK$52,931
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,790/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,232
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,633
−HK$1,421/mo
Today · 4.125%
HK$55,054
baseline
▲ 0.50% · 4.625%
HK$57,956
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,108/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,365
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,242
−HK$1,908/mo
Today · 4.125%
HK$64,150
baseline
▲ 0.50% · 4.625%
HK$68,054
+HK$3,904/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,300/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,155
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,956
−HK$1,827/mo
Today · 4.125%
HK$70,783
baseline
▲ 0.50% · 4.625%
HK$74,515
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,566/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,517 · Scale 2, in force from 26 Feb 2026)