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$33,769
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$1,067/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$2,184/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,567
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,022/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,087/mo
Deposit HK$7.40M · loan HK$7.40M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,522
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,783
−HK$1,281/mo
Today · 4.125%
HK$43,064
baseline
▲ 0.50% · 4.625%
HK$45,684
+HK$2,620/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$86,128/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,081
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,290
−HK$1,226/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,021
+HK$2,505/mo
Deposit HK$5.92M · loan HK$8.89M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,276
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,747
−HK$1,494/mo
Today · 4.125%
HK$50,241
baseline
▲ 0.50% · 4.625%
HK$53,298
+HK$3,057/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$100,482/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,594
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,005
−HK$1,431/mo
Today · 4.125%
HK$55,436
baseline
▲ 0.50% · 4.625%
HK$58,358
+HK$2,922/mo
Deposit HK$4.44M · loan HK$10.37M · min. income ≈ HK$110,872/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,784
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$62,674
−HK$1,921/mo
Today · 4.125%
HK$64,595
baseline
▲ 0.50% · 4.625%
HK$68,526
+HK$3,931/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$129,190/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,621
−HK$3,654/mo
▼ 0.25% · 3.875%
HK$69,435
−HK$1,840/mo
Today · 4.125%
HK$71,275
baseline
▲ 0.50% · 4.625%
HK$75,032
+HK$3,757/mo
Deposit HK$1.48M · loan HK$13.33M · min. income ≈ HK$142,550/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$555,344 · Scale 2, in force from 26 Feb 2026)