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$34,812
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,895
−HK$1,100/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$39,247
+HK$2,252/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,728
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,767
−HK$1,054/mo
Today · 4.125%
HK$40,821
baseline
▲ 0.50% · 4.625%
HK$42,973
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,642/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,775
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,074
−HK$1,321/mo
Today · 4.125%
HK$44,395
baseline
▲ 0.50% · 4.625%
HK$47,096
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,790/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,474
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,721
−HK$1,264/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,567
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,737
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,253
−HK$1,541/mo
Today · 4.125%
HK$51,794
baseline
▲ 0.50% · 4.625%
HK$54,945
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,588/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,220
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,674
−HK$1,475/mo
Today · 4.125%
HK$57,149
baseline
▲ 0.50% · 4.625%
HK$60,162
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,298/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,662
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,612
−HK$1,980/mo
Today · 4.125%
HK$66,592
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$4,052/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,184/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,711
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,581
−HK$1,897/mo
Today · 4.125%
HK$73,478
baseline
▲ 0.50% · 4.625%
HK$77,351
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,956/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,509 · Scale 2, in force from 26 Feb 2026)