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$34,745
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,826
−HK$1,098/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,654
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,690
−HK$1,052/mo
Today · 4.125%
HK$40,742
baseline
▲ 0.50% · 4.625%
HK$42,890
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,484/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,694
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,991
−HK$1,318/mo
Today · 4.125%
HK$44,309
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,618/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,385
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,629
−HK$1,262/mo
Today · 4.125%
HK$48,891
baseline
▲ 0.50% · 4.625%
HK$51,468
+HK$2,577/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,782/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,643
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,156
−HK$1,538/mo
Today · 4.125%
HK$51,694
baseline
▲ 0.50% · 4.625%
HK$54,839
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,388/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,115
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,567
−HK$1,472/mo
Today · 4.125%
HK$57,039
baseline
▲ 0.50% · 4.625%
HK$60,046
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,078/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,541
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,487
−HK$1,976/mo
Today · 4.125%
HK$66,463
baseline
▲ 0.50% · 4.625%
HK$70,508
+HK$4,045/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,926/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,577
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,443
−HK$1,893/mo
Today · 4.125%
HK$73,336
baseline
▲ 0.50% · 4.625%
HK$77,201
+HK$3,865/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,672/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,404 · Scale 2, in force from 26 Feb 2026)