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$34,229
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$1,081/mo
Today · 4.125%
HK$36,375
baseline
▲ 0.50% · 4.625%
HK$38,589
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,750/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,101
−HK$1,036/mo
Today · 4.125%
HK$40,137
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,115/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,274/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,352
−HK$1,298/mo
Today · 4.125%
HK$43,650
baseline
▲ 0.50% · 4.625%
HK$46,306
+HK$2,656/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$87,300/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,695
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,921
−HK$1,243/mo
Today · 4.125%
HK$48,164
baseline
▲ 0.50% · 4.625%
HK$50,703
+HK$2,539/mo
Deposit HK$6.00M · loan HK$9.01M · min. income ≈ HK$96,328/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,920
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,411
−HK$1,514/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$54,024
+HK$3,099/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,311
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,741
−HK$1,450/mo
Today · 4.125%
HK$56,191
baseline
▲ 0.50% · 4.625%
HK$59,153
+HK$2,962/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,382/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,612
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,528
−HK$1,948/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$69,460
+HK$3,984/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,543
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,381
−HK$1,865/mo
Today · 4.125%
HK$72,246
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$3,808/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,492/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$562,912 · Scale 2, in force from 26 Feb 2026)