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$34,273
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$1,083/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,638
+HK$2,216/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,128
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,150
−HK$1,038/mo
Today · 4.125%
HK$40,188
baseline
▲ 0.50% · 4.625%
HK$42,306
+HK$2,118/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,376/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,406
−HK$1,300/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,659/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,753
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,244/mo
Today · 4.125%
HK$48,225
baseline
▲ 0.50% · 4.625%
HK$50,767
+HK$2,542/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,450/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,982
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,516/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$54,093
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,379
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,811
−HK$1,452/mo
Today · 4.125%
HK$56,263
baseline
▲ 0.50% · 4.625%
HK$59,229
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,526/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,691
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,609
−HK$1,950/mo
Today · 4.125%
HK$65,559
baseline
▲ 0.50% · 4.625%
HK$69,548
+HK$3,989/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,118/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,630
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,471
−HK$1,867/mo
Today · 4.125%
HK$72,338
baseline
▲ 0.50% · 4.625%
HK$76,151
+HK$3,813/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,676/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,630 · Scale 2, in force from 26 Feb 2026)