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$34,643
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$1,095/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$39,056
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,540
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,574
−HK$1,049/mo
Today · 4.125%
HK$40,623
baseline
▲ 0.50% · 4.625%
HK$42,764
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,246/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,572
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,865
−HK$1,314/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,867
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,258/mo
Today · 4.125%
HK$48,747
baseline
▲ 0.50% · 4.625%
HK$51,317
+HK$2,570/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,494/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,009
−HK$1,533/mo
Today · 4.125%
HK$51,542
baseline
▲ 0.50% · 4.625%
HK$54,678
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,084/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,957
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,468/mo
Today · 4.125%
HK$56,872
baseline
▲ 0.50% · 4.625%
HK$59,869
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,744/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,358
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,971/mo
Today · 4.125%
HK$66,269
baseline
▲ 0.50% · 4.625%
HK$70,301
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,538/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,373
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,233
−HK$1,888/mo
Today · 4.125%
HK$73,121
baseline
▲ 0.50% · 4.625%
HK$76,975
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,242/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,729 · Scale 2, in force from 26 Feb 2026)