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$33,704
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$1,065/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,997
+HK$2,179/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,496
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,501
−HK$1,020/mo
Today · 4.125%
HK$39,521
baseline
▲ 0.50% · 4.625%
HK$41,605
+HK$2,084/mo
Deposit HK$7.39M · loan HK$7.39M · min. income ≈ HK$79,042/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,445
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,703
−HK$1,278/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,597
+HK$2,616/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,995
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,201
−HK$1,225/mo
Today · 4.125%
HK$47,426
baseline
▲ 0.50% · 4.625%
HK$49,926
+HK$2,500/mo
Deposit HK$5.91M · loan HK$8.87M · min. income ≈ HK$94,852/mo (50% DSR)
Upfront cash ≈ HK$6.47M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,186
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,491/mo
Today · 4.125%
HK$50,145
baseline
▲ 0.50% · 4.625%
HK$53,196
+HK$3,051/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$100,290/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,494
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,428/mo
Today · 4.125%
HK$55,330
baseline
▲ 0.50% · 4.625%
HK$58,246
+HK$2,916/mo
Deposit HK$4.43M · loan HK$10.35M · min. income ≈ HK$110,660/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,668
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,555
−HK$1,917/mo
Today · 4.125%
HK$64,472
baseline
▲ 0.50% · 4.625%
HK$68,395
+HK$3,923/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$128,944/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,492
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,302
−HK$1,836/mo
Today · 4.125%
HK$71,138
baseline
▲ 0.50% · 4.625%
HK$74,888
+HK$3,750/mo
Deposit HK$1.48M · loan HK$13.30M · min. income ≈ HK$142,276/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$554,284 · Scale 2, in force from 26 Feb 2026)