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$34,458
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$1,089/mo
Today · 4.125%
HK$36,619
baseline
▲ 0.50% · 4.625%
HK$38,847
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,238/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,334
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,362
−HK$1,043/mo
Today · 4.125%
HK$40,405
baseline
▲ 0.50% · 4.625%
HK$42,535
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,810/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,350
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,636
−HK$1,307/mo
Today · 4.125%
HK$43,943
baseline
▲ 0.50% · 4.625%
HK$46,617
+HK$2,674/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,886/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,235
−HK$1,252/mo
Today · 4.125%
HK$48,487
baseline
▲ 0.50% · 4.625%
HK$51,042
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,974/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,742
−HK$1,525/mo
Today · 4.125%
HK$51,267
baseline
▲ 0.50% · 4.625%
HK$54,386
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,534/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,668
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,107
−HK$1,461/mo
Today · 4.125%
HK$56,568
baseline
▲ 0.50% · 4.625%
HK$59,549
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,136/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,025
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,954
−HK$1,960/mo
Today · 4.125%
HK$65,914
baseline
▲ 0.50% · 4.625%
HK$69,925
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,828/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,002
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,852
−HK$1,878/mo
Today · 4.125%
HK$72,730
baseline
▲ 0.50% · 4.625%
HK$76,563
+HK$3,833/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,460/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,683 · Scale 2, in force from 26 Feb 2026)