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$34,553
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,628
−HK$1,092/mo
Today · 4.125%
HK$36,720
baseline
▲ 0.50% · 4.625%
HK$38,954
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,440/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,440
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,471
−HK$1,046/mo
Today · 4.125%
HK$40,517
baseline
▲ 0.50% · 4.625%
HK$42,653
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,034/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,464
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,754
−HK$1,310/mo
Today · 4.125%
HK$44,064
baseline
▲ 0.50% · 4.625%
HK$46,745
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,128/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,128
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,365
−HK$1,255/mo
Today · 4.125%
HK$48,620
baseline
▲ 0.50% · 4.625%
HK$51,183
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,240/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,374
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,879
−HK$1,529/mo
Today · 4.125%
HK$51,408
baseline
▲ 0.50% · 4.625%
HK$54,536
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,816/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,816
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,259
−HK$1,465/mo
Today · 4.125%
HK$56,724
baseline
▲ 0.50% · 4.625%
HK$59,714
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,448/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,196
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,130
−HK$1,966/mo
Today · 4.125%
HK$66,096
baseline
▲ 0.50% · 4.625%
HK$70,118
+HK$4,022/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,192/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,192
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,048
−HK$1,882/mo
Today · 4.125%
HK$72,930
baseline
▲ 0.50% · 4.625%
HK$76,775
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,860/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,245 · Scale 2, in force from 26 Feb 2026)