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$34,052
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$1,076/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$2,202/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,898
−HK$1,031/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,034
+HK$2,105/mo
Deposit HK$7.47M · loan HK$7.47M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,133
−HK$1,291/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$46,067
+HK$2,643/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,678
−HK$1,237/mo
Today · 4.125%
HK$47,915
baseline
▲ 0.50% · 4.625%
HK$50,440
+HK$2,525/mo
Deposit HK$5.97M · loan HK$8.96M · min. income ≈ HK$95,830/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,672
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,155
−HK$1,507/mo
Today · 4.125%
HK$50,662
baseline
▲ 0.50% · 4.625%
HK$53,745
+HK$3,083/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,324/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,035
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,457
−HK$1,443/mo
Today · 4.125%
HK$55,900
baseline
▲ 0.50% · 4.625%
HK$58,847
+HK$2,947/mo
Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$111,800/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,293
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,200
−HK$1,937/mo
Today · 4.125%
HK$65,137
baseline
▲ 0.50% · 4.625%
HK$69,100
+HK$3,963/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$130,274/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,188
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,017
−HK$1,855/mo
Today · 4.125%
HK$71,872
baseline
▲ 0.50% · 4.625%
HK$75,660
+HK$3,788/mo
Deposit HK$1.49M · loan HK$13.44M · min. income ≈ HK$143,744/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,999 · Scale 2, in force from 26 Feb 2026)