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$34,509
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,583
−HK$1,090/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,905
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,391
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,421
−HK$1,044/mo
Today · 4.125%
HK$40,465
baseline
▲ 0.50% · 4.625%
HK$42,598
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,930/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,411
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,699
−HK$1,309/mo
Today · 4.125%
HK$44,008
baseline
▲ 0.50% · 4.625%
HK$46,686
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,016/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,070
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,305
−HK$1,254/mo
Today · 4.125%
HK$48,559
baseline
▲ 0.50% · 4.625%
HK$51,118
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,118/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,313
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,816
−HK$1,527/mo
Today · 4.125%
HK$51,343
baseline
▲ 0.50% · 4.625%
HK$54,467
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,686/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,748
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,189
−HK$1,463/mo
Today · 4.125%
HK$56,652
baseline
▲ 0.50% · 4.625%
HK$59,638
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,304/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,117
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,049
−HK$1,963/mo
Today · 4.125%
HK$66,012
baseline
▲ 0.50% · 4.625%
HK$70,029
+HK$4,017/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,024/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,104
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,958
−HK$1,880/mo
Today · 4.125%
HK$72,838
baseline
▲ 0.50% · 4.625%
HK$76,677
+HK$3,839/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,676/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,525 · Scale 2, in force from 26 Feb 2026)