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$34,417
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$1,088/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,042/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,301
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,586
−HK$1,305/mo
Today · 4.125%
HK$43,891
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,782/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,947
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,179
−HK$1,250/mo
Today · 4.125%
HK$48,429
baseline
▲ 0.50% · 4.625%
HK$50,982
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,858/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,523/mo
Today · 4.125%
HK$51,206
baseline
▲ 0.50% · 4.625%
HK$54,322
+HK$3,116/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,412/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,605
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,459/mo
Today · 4.125%
HK$56,501
baseline
▲ 0.50% · 4.625%
HK$59,479
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,002/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,951
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,878
−HK$1,958/mo
Today · 4.125%
HK$65,836
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$4,006/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,672/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,920
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,769
−HK$1,875/mo
Today · 4.125%
HK$72,644
baseline
▲ 0.50% · 4.625%
HK$76,473
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,288/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,012 · Scale 2, in force from 26 Feb 2026)