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$33,308
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$1,052/mo
Today · 4.125%
HK$35,396
baseline
▲ 0.50% · 4.625%
HK$37,550
+HK$2,154/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$70,792/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,048
−HK$1,009/mo
Today · 4.125%
HK$39,057
baseline
▲ 0.50% · 4.625%
HK$41,115
+HK$2,058/mo
Deposit HK$7.30M · loan HK$7.30M · min. income ≈ HK$78,114/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,969
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,263/mo
Today · 4.125%
HK$42,476
baseline
▲ 0.50% · 4.625%
HK$45,060
+HK$2,584/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$84,952/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,465
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,658
−HK$1,210/mo
Today · 4.125%
HK$46,868
baseline
▲ 0.50% · 4.625%
HK$49,338
+HK$2,470/mo
Deposit HK$5.84M · loan HK$8.76M · min. income ≈ HK$93,736/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,631
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,474/mo
Today · 4.125%
HK$49,555
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$3,015/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$99,110/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,411/mo
Today · 4.125%
HK$54,679
baseline
▲ 0.50% · 4.625%
HK$57,561
+HK$2,882/mo
Deposit HK$4.38M · loan HK$10.22M · min. income ≈ HK$109,358/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,954
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,819
−HK$1,895/mo
Today · 4.125%
HK$63,714
baseline
▲ 0.50% · 4.625%
HK$67,590
+HK$3,876/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$127,428/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,698
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,487
−HK$1,815/mo
Today · 4.125%
HK$70,302
baseline
▲ 0.50% · 4.625%
HK$74,007
+HK$3,705/mo
Deposit HK$1.46M · loan HK$13.15M · min. income ≈ HK$140,604/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$547,764 · Scale 2, in force from 26 Feb 2026)