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$34,638
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,715
−HK$1,095/mo
Today · 4.125%
HK$36,810
baseline
▲ 0.50% · 4.625%
HK$39,049
+HK$2,239/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,620/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,534
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,567
−HK$1,049/mo
Today · 4.125%
HK$40,616
baseline
▲ 0.50% · 4.625%
HK$42,757
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,232/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,314/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,687/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,241
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,258/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,308
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,493
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,001
−HK$1,533/mo
Today · 4.125%
HK$51,534
baseline
▲ 0.50% · 4.625%
HK$54,669
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,068/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,948
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,394
−HK$1,468/mo
Today · 4.125%
HK$56,862
baseline
▲ 0.50% · 4.625%
HK$59,860
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,724/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,348
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,287
−HK$1,970/mo
Today · 4.125%
HK$66,257
baseline
▲ 0.50% · 4.625%
HK$70,289
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,514/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,361
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,221
−HK$1,888/mo
Today · 4.125%
HK$73,109
baseline
▲ 0.50% · 4.625%
HK$76,962
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,218/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,634 · Scale 2, in force from 26 Feb 2026)