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$34,150
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,212
−HK$1,079/mo
Today · 4.125%
HK$36,291
baseline
▲ 0.50% · 4.625%
HK$38,500
+HK$2,209/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,582/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,034/mo
Today · 4.125%
HK$40,044
baseline
▲ 0.50% · 4.625%
HK$42,155
+HK$2,111/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,088/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,980
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,255
−HK$1,295/mo
Today · 4.125%
HK$43,550
baseline
▲ 0.50% · 4.625%
HK$46,200
+HK$2,650/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$87,100/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,590
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,812
−HK$1,241/mo
Today · 4.125%
HK$48,053
baseline
▲ 0.50% · 4.625%
HK$50,586
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.99M · min. income ≈ HK$96,106/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,810
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,297
−HK$1,511/mo
Today · 4.125%
HK$50,808
baseline
▲ 0.50% · 4.625%
HK$53,900
+HK$3,092/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,616/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,188
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,615
−HK$1,447/mo
Today · 4.125%
HK$56,062
baseline
▲ 0.50% · 4.625%
HK$59,017
+HK$2,955/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,124/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,470
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,382
−HK$1,943/mo
Today · 4.125%
HK$65,325
baseline
▲ 0.50% · 4.625%
HK$69,299
+HK$3,974/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,650/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,385
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,219
−HK$1,860/mo
Today · 4.125%
HK$72,079
baseline
▲ 0.50% · 4.625%
HK$75,879
+HK$3,800/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,158/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,614 · Scale 2, in force from 26 Feb 2026)