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$34,829
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,912
−HK$1,101/mo
Today · 4.125%
HK$37,013
baseline
▲ 0.50% · 4.625%
HK$39,265
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,026/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,747
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,786
−HK$1,054/mo
Today · 4.125%
HK$40,840
baseline
▲ 0.50% · 4.625%
HK$42,993
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,680/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,321/mo
Today · 4.125%
HK$44,415
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,830/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,496
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,265/mo
Today · 4.125%
HK$49,008
baseline
▲ 0.50% · 4.625%
HK$51,591
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$98,016/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,760
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,277
−HK$1,541/mo
Today · 4.125%
HK$51,818
baseline
▲ 0.50% · 4.625%
HK$54,971
+HK$3,153/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,636/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,245
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,700
−HK$1,476/mo
Today · 4.125%
HK$57,176
baseline
▲ 0.50% · 4.625%
HK$60,190
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,352/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,692
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,642
−HK$1,981/mo
Today · 4.125%
HK$66,623
baseline
▲ 0.50% · 4.625%
HK$70,677
+HK$4,054/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,246/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,744
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,614
−HK$1,898/mo
Today · 4.125%
HK$73,512
baseline
▲ 0.50% · 4.625%
HK$77,387
+HK$3,875/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,024/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,776 · Scale 2, in force from 26 Feb 2026)