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$33,223
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$1,050/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$2,148/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,961
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,005/mo
Today · 4.125%
HK$38,957
baseline
▲ 0.50% · 4.625%
HK$41,011
+HK$2,054/mo
Deposit HK$7.29M · loan HK$7.29M · min. income ≈ HK$77,914/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,868
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,108
−HK$1,260/mo
Today · 4.125%
HK$42,368
baseline
▲ 0.50% · 4.625%
HK$44,946
+HK$2,578/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$84,736/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,353
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,542
−HK$1,207/mo
Today · 4.125%
HK$46,749
baseline
▲ 0.50% · 4.625%
HK$49,213
+HK$2,464/mo
Deposit HK$5.83M · loan HK$8.74M · min. income ≈ HK$93,498/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$47,959
−HK$1,470/mo
Today · 4.125%
HK$49,429
baseline
▲ 0.50% · 4.625%
HK$52,437
+HK$3,008/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$98,858/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,745
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,133
−HK$1,407/mo
Today · 4.125%
HK$54,540
baseline
▲ 0.50% · 4.625%
HK$57,415
+HK$2,875/mo
Deposit HK$4.37M · loan HK$10.20M · min. income ≈ HK$109,080/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,802
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,662
−HK$1,890/mo
Today · 4.125%
HK$63,552
baseline
▲ 0.50% · 4.625%
HK$67,419
+HK$3,867/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$127,104/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,529
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,313
−HK$1,810/mo
Today · 4.125%
HK$70,123
baseline
▲ 0.50% · 4.625%
HK$73,820
+HK$3,697/mo
Deposit HK$1.46M · loan HK$13.11M · min. income ≈ HK$140,246/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$546,375 · Scale 2, in force from 26 Feb 2026)