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$33,185
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$1,048/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,412
+HK$2,146/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,918
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$37,908
−HK$1,005/mo
Today · 4.125%
HK$38,913
baseline
▲ 0.50% · 4.625%
HK$40,964
+HK$2,051/mo
Deposit HK$7.28M · loan HK$7.28M · min. income ≈ HK$77,826/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,822
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,061
−HK$1,259/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,895
+HK$2,575/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,302
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,490
−HK$1,206/mo
Today · 4.125%
HK$46,696
baseline
▲ 0.50% · 4.625%
HK$49,157
+HK$2,461/mo
Deposit HK$5.82M · loan HK$8.73M · min. income ≈ HK$93,392/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,459
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,905
−HK$1,468/mo
Today · 4.125%
HK$49,373
baseline
▲ 0.50% · 4.625%
HK$52,377
+HK$3,004/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$98,746/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,686
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,072
−HK$1,406/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,350
+HK$2,872/mo
Deposit HK$4.37M · loan HK$10.19M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,734
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,592
−HK$1,887/mo
Today · 4.125%
HK$63,479
baseline
▲ 0.50% · 4.625%
HK$67,342
+HK$3,863/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$126,958/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,453
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,235
−HK$1,808/mo
Today · 4.125%
HK$70,043
baseline
▲ 0.50% · 4.625%
HK$73,735
+HK$3,692/mo
Deposit HK$1.46M · loan HK$13.10M · min. income ≈ HK$140,086/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$545,751 · Scale 2, in force from 26 Feb 2026)