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$34,338
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,406
−HK$1,085/mo
Today · 4.125%
HK$36,491
baseline
▲ 0.50% · 4.625%
HK$38,712
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,982/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,201
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,225
−HK$1,040/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,387
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,206
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,487
−HK$1,303/mo
Today · 4.125%
HK$43,790
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$87,580/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,841
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,070
−HK$1,247/mo
Today · 4.125%
HK$48,317
baseline
▲ 0.50% · 4.625%
HK$50,864
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.04M · min. income ≈ HK$96,634/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,073
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,569
−HK$1,519/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$54,196
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,176/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,481
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,915
−HK$1,455/mo
Today · 4.125%
HK$56,370
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,740/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,808
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,731
−HK$1,953/mo
Today · 4.125%
HK$65,684
baseline
▲ 0.50% · 4.625%
HK$69,681
+HK$3,997/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,368/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,761
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,605
−HK$1,871/mo
Today · 4.125%
HK$72,476
baseline
▲ 0.50% · 4.625%
HK$76,297
+HK$3,821/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,952/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,707 · Scale 2, in force from 26 Feb 2026)