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$34,499
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$1,090/mo
Today · 4.125%
HK$36,662
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$2,231/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,324/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,379
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,044/mo
Today · 4.125%
HK$40,453
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,906/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,686
−HK$1,308/mo
Today · 4.125%
HK$43,994
baseline
▲ 0.50% · 4.625%
HK$46,671
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,988/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,055
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,254/mo
Today · 4.125%
HK$48,544
baseline
▲ 0.50% · 4.625%
HK$51,102
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,088/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,298
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,800
−HK$1,527/mo
Today · 4.125%
HK$51,327
baseline
▲ 0.50% · 4.625%
HK$54,450
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,654/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,731
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,172
−HK$1,462/mo
Today · 4.125%
HK$56,634
baseline
▲ 0.50% · 4.625%
HK$59,619
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,268/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,098
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,029
−HK$1,963/mo
Today · 4.125%
HK$65,992
baseline
▲ 0.50% · 4.625%
HK$70,007
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,984/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,083
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,936
−HK$1,879/mo
Today · 4.125%
HK$72,815
baseline
▲ 0.50% · 4.625%
HK$76,653
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,630/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,349 · Scale 2, in force from 26 Feb 2026)