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$33,583
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$1,061/mo
Today · 4.125%
HK$35,689
baseline
▲ 0.50% · 4.625%
HK$37,861
+HK$2,172/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$71,378/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,361
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,016/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,076/mo
Deposit HK$7.36M · loan HK$7.36M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,553
−HK$1,274/mo
Today · 4.125%
HK$42,827
baseline
▲ 0.50% · 4.625%
HK$45,433
+HK$2,606/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$85,654/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,833
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,036
−HK$1,219/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$49,746
+HK$2,491/mo
Deposit HK$5.89M · loan HK$8.84M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,479
−HK$1,486/mo
Today · 4.125%
HK$49,965
baseline
▲ 0.50% · 4.625%
HK$53,005
+HK$3,040/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$99,930/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,305
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,423/mo
Today · 4.125%
HK$55,131
baseline
▲ 0.50% · 4.625%
HK$58,037
+HK$2,906/mo
Deposit HK$4.42M · loan HK$10.31M · min. income ≈ HK$110,262/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,450
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,910/mo
Today · 4.125%
HK$64,240
baseline
▲ 0.50% · 4.625%
HK$68,149
+HK$3,909/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$128,480/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,250
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$1,830/mo
Today · 4.125%
HK$70,883
baseline
▲ 0.50% · 4.625%
HK$74,619
+HK$3,736/mo
Deposit HK$1.47M · loan HK$13.26M · min. income ≈ HK$141,766/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$552,293 · Scale 2, in force from 26 Feb 2026)