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$33,745
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,794
−HK$1,067/mo
Today · 4.125%
HK$35,861
baseline
▲ 0.50% · 4.625%
HK$38,043
+HK$2,182/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,722/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,541
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,547
−HK$1,022/mo
Today · 4.125%
HK$39,569
baseline
▲ 0.50% · 4.625%
HK$41,654
+HK$2,085/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,138/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,494
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,753
−HK$1,280/mo
Today · 4.125%
HK$43,033
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,618/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$86,066/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,049
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,257
−HK$1,226/mo
Today · 4.125%
HK$47,483
baseline
▲ 0.50% · 4.625%
HK$49,985
+HK$2,502/mo
Deposit HK$5.92M · loan HK$8.88M · min. income ≈ HK$94,966/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,242
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,493/mo
Today · 4.125%
HK$50,205
baseline
▲ 0.50% · 4.625%
HK$53,260
+HK$3,055/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$100,410/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,557
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,966
−HK$1,430/mo
Today · 4.125%
HK$55,396
baseline
▲ 0.50% · 4.625%
HK$58,316
+HK$2,920/mo
Deposit HK$4.44M · loan HK$10.36M · min. income ≈ HK$110,792/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,740
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,630
−HK$1,919/mo
Today · 4.125%
HK$64,549
baseline
▲ 0.50% · 4.625%
HK$68,477
+HK$3,928/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$129,098/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,573
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,385
−HK$1,839/mo
Today · 4.125%
HK$71,224
baseline
▲ 0.50% · 4.625%
HK$74,978
+HK$3,754/mo
Deposit HK$1.48M · loan HK$13.32M · min. income ≈ HK$142,448/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,949 · Scale 2, in force from 26 Feb 2026)