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$34,003
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,061
−HK$1,074/mo
Today · 4.125%
HK$36,135
baseline
▲ 0.50% · 4.625%
HK$38,334
+HK$2,199/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$72,270/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,828
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,842
−HK$1,030/mo
Today · 4.125%
HK$39,872
baseline
▲ 0.50% · 4.625%
HK$41,973
+HK$2,101/mo
Deposit HK$7.46M · loan HK$7.46M · min. income ≈ HK$79,744/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,803
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,073
−HK$1,289/mo
Today · 4.125%
HK$43,362
baseline
▲ 0.50% · 4.625%
HK$46,001
+HK$2,639/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,724/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,393
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,611
−HK$1,235/mo
Today · 4.125%
HK$47,846
baseline
▲ 0.50% · 4.625%
HK$50,368
+HK$2,522/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,692/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,604
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,085
−HK$1,504/mo
Today · 4.125%
HK$50,589
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$3,078/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,178/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,959
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,379
−HK$1,441/mo
Today · 4.125%
HK$55,820
baseline
▲ 0.50% · 4.625%
HK$58,763
+HK$2,943/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,640/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,205
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,109
−HK$1,934/mo
Today · 4.125%
HK$65,043
baseline
▲ 0.50% · 4.625%
HK$69,001
+HK$3,958/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,086/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,090
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,916
−HK$1,853/mo
Today · 4.125%
HK$71,769
baseline
▲ 0.50% · 4.625%
HK$75,552
+HK$3,783/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,538/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,196 · Scale 2, in force from 26 Feb 2026)