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$33,545
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$1,060/mo
Today · 4.125%
HK$35,648
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$2,170/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,296/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,318
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,319
−HK$1,016/mo
Today · 4.125%
HK$39,335
baseline
▲ 0.50% · 4.625%
HK$41,408
+HK$2,073/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,670/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,272/mo
Today · 4.125%
HK$42,778
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,603/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$85,556/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,219/mo
Today · 4.125%
HK$47,202
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,488/mo
Deposit HK$5.88M · loan HK$8.83M · min. income ≈ HK$94,404/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,963
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,424
−HK$1,484/mo
Today · 4.125%
HK$49,908
baseline
▲ 0.50% · 4.625%
HK$52,945
+HK$3,037/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$99,816/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,246
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,647
−HK$1,421/mo
Today · 4.125%
HK$55,068
baseline
▲ 0.50% · 4.625%
HK$57,971
+HK$2,903/mo
Deposit HK$4.41M · loan HK$10.30M · min. income ≈ HK$110,136/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,381
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,259
−HK$1,908/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,905/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,173
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$1,827/mo
Today · 4.125%
HK$70,802
baseline
▲ 0.50% · 4.625%
HK$74,534
+HK$3,732/mo
Deposit HK$1.47M · loan HK$13.24M · min. income ≈ HK$141,604/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$551,664 · Scale 2, in force from 26 Feb 2026)