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$33,750
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$1,067/mo
Today · 4.125%
HK$35,867
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,734/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,547
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,554
−HK$1,021/mo
Today · 4.125%
HK$39,575
baseline
▲ 0.50% · 4.625%
HK$41,661
+HK$2,086/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,150/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,500
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,760
−HK$1,280/mo
Today · 4.125%
HK$43,040
baseline
▲ 0.50% · 4.625%
HK$45,659
+HK$2,619/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,080/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,056
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,264
−HK$1,226/mo
Today · 4.125%
HK$47,490
baseline
▲ 0.50% · 4.625%
HK$49,994
+HK$2,504/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,980/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,250
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,720
−HK$1,493/mo
Today · 4.125%
HK$50,213
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$3,056/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,426/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,565
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,430/mo
Today · 4.125%
HK$55,405
baseline
▲ 0.50% · 4.625%
HK$58,326
+HK$2,921/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,810/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,750
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,640
−HK$1,920/mo
Today · 4.125%
HK$64,560
baseline
▲ 0.50% · 4.625%
HK$68,488
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,120/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,584
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,397
−HK$1,838/mo
Today · 4.125%
HK$71,235
baseline
▲ 0.50% · 4.625%
HK$74,990
+HK$3,755/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,470/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,039 · Scale 2, in force from 26 Feb 2026)