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$34,128
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,079/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$2,206/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,033/mo
Today · 4.125%
HK$40,019
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,109/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,038/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,228
−HK$1,294/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,561
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,240/mo
Today · 4.125%
HK$48,023
baseline
▲ 0.50% · 4.625%
HK$50,554
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,046/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,780
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,510/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,866
+HK$3,090/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,155
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,580
−HK$1,446/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$58,980
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,431
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,941/mo
Today · 4.125%
HK$65,283
baseline
▲ 0.50% · 4.625%
HK$69,256
+HK$3,973/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,566/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,342
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,174
−HK$1,860/mo
Today · 4.125%
HK$72,034
baseline
▲ 0.50% · 4.625%
HK$75,831
+HK$3,797/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,068/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,261 · Scale 2, in force from 26 Feb 2026)