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$33,444
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$1,057/mo
Today · 4.125%
HK$35,541
baseline
▲ 0.50% · 4.625%
HK$37,704
+HK$2,163/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,082/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,206
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,012/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,283
+HK$2,067/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,133
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,268/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$45,244
+HK$2,595/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,647
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,845
−HK$1,214/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,540
+HK$2,481/mo
Deposit HK$5.87M · loan HK$8.80M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,821
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,278
−HK$1,479/mo
Today · 4.125%
HK$49,757
baseline
▲ 0.50% · 4.625%
HK$52,785
+HK$3,028/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$99,514/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,088
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,485
−HK$1,417/mo
Today · 4.125%
HK$54,902
baseline
▲ 0.50% · 4.625%
HK$57,796
+HK$2,894/mo
Deposit HK$4.40M · loan HK$10.27M · min. income ≈ HK$109,804/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,199
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,071
−HK$1,903/mo
Today · 4.125%
HK$63,974
baseline
▲ 0.50% · 4.625%
HK$67,867
+HK$3,893/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$127,948/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,971
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,767
−HK$1,822/mo
Today · 4.125%
HK$70,589
baseline
▲ 0.50% · 4.625%
HK$74,310
+HK$3,721/mo
Deposit HK$1.47M · loan HK$13.20M · min. income ≈ HK$141,178/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$550,002 · Scale 2, in force from 26 Feb 2026)