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$34,079
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$1,077/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$2,204/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,930
−HK$1,031/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,068
+HK$2,107/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,167
−HK$1,293/mo
Today · 4.125%
HK$43,460
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,644/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$86,920/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,495
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,716
−HK$1,237/mo
Today · 4.125%
HK$47,953
baseline
▲ 0.50% · 4.625%
HK$50,481
+HK$2,528/mo
Deposit HK$5.98M · loan HK$8.97M · min. income ≈ HK$95,906/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,711
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,195
−HK$1,508/mo
Today · 4.125%
HK$50,703
baseline
▲ 0.50% · 4.625%
HK$53,788
+HK$3,085/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,406/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,078
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,502
−HK$1,444/mo
Today · 4.125%
HK$55,946
baseline
▲ 0.50% · 4.625%
HK$58,895
+HK$2,949/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,892/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,343
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,251
−HK$1,938/mo
Today · 4.125%
HK$65,189
baseline
▲ 0.50% · 4.625%
HK$69,156
+HK$3,967/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,378/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,243
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,073
−HK$1,857/mo
Today · 4.125%
HK$71,930
baseline
▲ 0.50% · 4.625%
HK$75,722
+HK$3,792/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,860/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,452 · Scale 2, in force from 26 Feb 2026)