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$34,778
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,859
−HK$1,100/mo
Today · 4.125%
HK$36,959
baseline
▲ 0.50% · 4.625%
HK$39,207
+HK$2,248/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,918/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,690
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,727
−HK$1,053/mo
Today · 4.125%
HK$40,780
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,560/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,733
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,031
−HK$1,319/mo
Today · 4.125%
HK$44,350
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,700/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,428
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,673
−HK$1,263/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,689
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,203
−HK$1,539/mo
Today · 4.125%
HK$51,742
baseline
▲ 0.50% · 4.625%
HK$54,890
+HK$3,148/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,484/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,166
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,618
−HK$1,474/mo
Today · 4.125%
HK$57,092
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,184/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,600
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,547
−HK$1,978/mo
Today · 4.125%
HK$66,525
baseline
▲ 0.50% · 4.625%
HK$70,573
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,050/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,642
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,509
−HK$1,895/mo
Today · 4.125%
HK$73,404
baseline
▲ 0.50% · 4.625%
HK$77,273
+HK$3,869/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,808/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,937 · Scale 2, in force from 26 Feb 2026)