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$34,751
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,832
−HK$1,098/mo
Today · 4.125%
HK$36,930
baseline
▲ 0.50% · 4.625%
HK$39,177
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,860/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,660
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,697
−HK$1,052/mo
Today · 4.125%
HK$40,749
baseline
▲ 0.50% · 4.625%
HK$42,897
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,498/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,701
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,998
−HK$1,318/mo
Today · 4.125%
HK$44,316
baseline
▲ 0.50% · 4.625%
HK$47,013
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$88,632/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,392
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,636
−HK$1,262/mo
Today · 4.125%
HK$48,898
baseline
▲ 0.50% · 4.625%
HK$51,476
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$97,796/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,651
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,165
−HK$1,537/mo
Today · 4.125%
HK$51,702
baseline
▲ 0.50% · 4.625%
HK$54,848
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,404/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,124
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,576
−HK$1,472/mo
Today · 4.125%
HK$57,048
baseline
▲ 0.50% · 4.625%
HK$60,055
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,096/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,552
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,497
−HK$1,977/mo
Today · 4.125%
HK$66,474
baseline
▲ 0.50% · 4.625%
HK$70,519
+HK$4,045/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,948/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,588
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,454
−HK$1,894/mo
Today · 4.125%
HK$73,348
baseline
▲ 0.50% · 4.625%
HK$77,214
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,696/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,497 · Scale 2, in force from 26 Feb 2026)