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$33,091
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$1,046/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$2,139/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,002/mo
Today · 4.125%
HK$38,802
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,045/mo
Deposit HK$7.26M · loan HK$7.26M · min. income ≈ HK$77,604/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,709
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,255/mo
Today · 4.125%
HK$42,199
baseline
▲ 0.50% · 4.625%
HK$44,766
+HK$2,567/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$84,398/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,175
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,360
−HK$1,202/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,016
+HK$2,454/mo
Deposit HK$5.80M · loan HK$8.71M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,327
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,768
−HK$1,464/mo
Today · 4.125%
HK$49,232
baseline
▲ 0.50% · 4.625%
HK$52,227
+HK$2,995/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$98,464/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,538
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,920
−HK$1,402/mo
Today · 4.125%
HK$54,322
baseline
▲ 0.50% · 4.625%
HK$57,186
+HK$2,864/mo
Deposit HK$4.35M · loan HK$10.16M · min. income ≈ HK$108,644/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,563
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,416
−HK$1,882/mo
Today · 4.125%
HK$63,298
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,852/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$126,596/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,263
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,040
−HK$1,803/mo
Today · 4.125%
HK$69,843
baseline
▲ 0.50% · 4.625%
HK$73,525
+HK$3,682/mo
Deposit HK$1.45M · loan HK$13.06M · min. income ≈ HK$139,686/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$544,191 · Scale 2, in force from 26 Feb 2026)