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$33,302
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,338
−HK$1,052/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,543
+HK$2,153/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,048
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,041
−HK$1,008/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,108
+HK$2,059/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,263/mo
Today · 4.125%
HK$42,468
baseline
▲ 0.50% · 4.625%
HK$45,052
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,936/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,457
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,650
−HK$1,209/mo
Today · 4.125%
HK$46,859
baseline
▲ 0.50% · 4.625%
HK$49,329
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,718/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,473/mo
Today · 4.125%
HK$49,546
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,092/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,867
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,258
−HK$1,411/mo
Today · 4.125%
HK$54,669
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,338/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,943
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,808
−HK$1,894/mo
Today · 4.125%
HK$63,702
baseline
▲ 0.50% · 4.625%
HK$67,578
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$127,404/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,686
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,475
−HK$1,814/mo
Today · 4.125%
HK$70,289
baseline
▲ 0.50% · 4.625%
HK$73,994
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.14M · min. income ≈ HK$140,578/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,664 · Scale 2, in force from 26 Feb 2026)