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$34,067
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$1,077/mo
Today · 4.125%
HK$36,203
baseline
▲ 0.50% · 4.625%
HK$38,406
+HK$2,203/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,406/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,899
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,031/mo
Today · 4.125%
HK$39,946
baseline
▲ 0.50% · 4.625%
HK$42,052
+HK$2,106/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,892/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,880
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,292/mo
Today · 4.125%
HK$43,444
baseline
▲ 0.50% · 4.625%
HK$46,087
+HK$2,643/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$86,888/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,479
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,698
−HK$1,238/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,463
+HK$2,527/mo
Deposit HK$5.98M · loan HK$8.96M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$6.54M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,693
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,507/mo
Today · 4.125%
HK$50,684
baseline
▲ 0.50% · 4.625%
HK$53,768
+HK$3,084/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$101,368/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,058
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,481
−HK$1,444/mo
Today · 4.125%
HK$55,925
baseline
▲ 0.50% · 4.625%
HK$58,873
+HK$2,948/mo
Deposit HK$4.48M · loan HK$10.46M · min. income ≈ HK$111,850/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,320
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,228
−HK$1,937/mo
Today · 4.125%
HK$65,165
baseline
▲ 0.50% · 4.625%
HK$69,131
+HK$3,966/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$130,330/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,218
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,048
−HK$1,856/mo
Today · 4.125%
HK$71,904
baseline
▲ 0.50% · 4.625%
HK$75,694
+HK$3,790/mo
Deposit HK$1.49M · loan HK$13.45M · min. income ≈ HK$143,808/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$560,246 · Scale 2, in force from 26 Feb 2026)