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$34,570
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$1,092/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,459
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,046/mo
Today · 4.125%
HK$40,537
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,074/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,484
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,311/mo
Today · 4.125%
HK$44,086
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,172/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,151
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,255/mo
Today · 4.125%
HK$48,644
baseline
▲ 0.50% · 4.625%
HK$51,208
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,288/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,398
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,904
−HK$1,529/mo
Today · 4.125%
HK$51,433
baseline
▲ 0.50% · 4.625%
HK$54,563
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,866/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,843
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,287
−HK$1,465/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$59,743
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,226
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,162
−HK$1,967/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$70,152
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,226
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,083
−HK$1,883/mo
Today · 4.125%
HK$72,966
baseline
▲ 0.50% · 4.625%
HK$76,813
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,932/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,526 · Scale 2, in force from 26 Feb 2026)