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$34,410
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,481
−HK$1,087/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,793
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,308
−HK$1,042/mo
Today · 4.125%
HK$40,350
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,126/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,700/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,293
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,577
−HK$1,305/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,552
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,938
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,170
−HK$1,249/mo
Today · 4.125%
HK$48,419
baseline
▲ 0.50% · 4.625%
HK$50,972
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,838/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,175
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,523/mo
Today · 4.125%
HK$51,196
baseline
▲ 0.50% · 4.625%
HK$54,311
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,392/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,594
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,031
−HK$1,458/mo
Today · 4.125%
HK$56,489
baseline
▲ 0.50% · 4.625%
HK$59,467
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,978/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,939
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,866
−HK$1,957/mo
Today · 4.125%
HK$65,823
baseline
▲ 0.50% · 4.625%
HK$69,828
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,646/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,906
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,754
−HK$1,875/mo
Today · 4.125%
HK$72,629
baseline
▲ 0.50% · 4.625%
HK$76,458
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,258/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,899 · Scale 2, in force from 26 Feb 2026)