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$33,535
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$1,060/mo
Today · 4.125%
HK$35,638
baseline
▲ 0.50% · 4.625%
HK$37,806
+HK$2,168/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$71,276/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,307
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,015/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,396
+HK$2,073/mo
Deposit HK$7.35M · loan HK$7.35M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,271/mo
Today · 4.125%
HK$42,765
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$85,530/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,218/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$49,675
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.82M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,949
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,409
−HK$1,484/mo
Today · 4.125%
HK$49,893
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$3,036/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$99,786/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,230
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,631
−HK$1,421/mo
Today · 4.125%
HK$55,052
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$2,902/mo
Deposit HK$4.41M · loan HK$10.29M · min. income ≈ HK$110,104/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,363
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,240
−HK$1,908/mo
Today · 4.125%
HK$64,148
baseline
▲ 0.50% · 4.625%
HK$68,051
+HK$3,903/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,296/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,153
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,954
−HK$1,827/mo
Today · 4.125%
HK$70,781
baseline
▲ 0.50% · 4.625%
HK$74,512
+HK$3,731/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,562/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,499 · Scale 2, in force from 26 Feb 2026)