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$33,190
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,222
−HK$1,049/mo
Today · 4.125%
HK$35,271
baseline
▲ 0.50% · 4.625%
HK$37,417
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,542/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,923
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,004/mo
Today · 4.125%
HK$38,918
baseline
▲ 0.50% · 4.625%
HK$40,970
+HK$2,052/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,836/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,828
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,258/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,901
+HK$2,576/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,308
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,496
−HK$1,206/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,164
+HK$2,462/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,466
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,911
−HK$1,469/mo
Today · 4.125%
HK$49,380
baseline
▲ 0.50% · 4.625%
HK$52,384
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,760/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,079
−HK$1,407/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,358
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,742
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,600
−HK$1,888/mo
Today · 4.125%
HK$63,488
baseline
▲ 0.50% · 4.625%
HK$67,351
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,976/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,462
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,245
−HK$1,808/mo
Today · 4.125%
HK$70,053
baseline
▲ 0.50% · 4.625%
HK$73,746
+HK$3,693/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,106/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,826 · Scale 2, in force from 26 Feb 2026)