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$33,406
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,445
−HK$1,056/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,661
+HK$2,160/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,164
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,011/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,237
+HK$2,065/mo
Deposit HK$7.33M · loan HK$7.33M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,266/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$45,194
+HK$2,593/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,597
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,793
−HK$1,213/mo
Today · 4.125%
HK$47,006
baseline
▲ 0.50% · 4.625%
HK$49,484
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,012/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,769
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,224
−HK$1,478/mo
Today · 4.125%
HK$49,702
baseline
▲ 0.50% · 4.625%
HK$52,726
+HK$3,024/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$99,404/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,030
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,425
−HK$1,416/mo
Today · 4.125%
HK$54,841
baseline
▲ 0.50% · 4.625%
HK$57,732
+HK$2,891/mo
Deposit HK$4.40M · loan HK$10.26M · min. income ≈ HK$109,682/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,131
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,002
−HK$1,900/mo
Today · 4.125%
HK$63,902
baseline
▲ 0.50% · 4.625%
HK$67,790
+HK$3,888/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$127,804/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,896
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,690
−HK$1,820/mo
Today · 4.125%
HK$70,510
baseline
▲ 0.50% · 4.625%
HK$74,226
+HK$3,716/mo
Deposit HK$1.47M · loan HK$13.19M · min. income ≈ HK$141,020/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,384 · Scale 2, in force from 26 Feb 2026)