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$34,282
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,348
−HK$1,083/mo
Today · 4.125%
HK$36,431
baseline
▲ 0.50% · 4.625%
HK$38,648
+HK$2,217/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,862/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,138
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,161
−HK$1,037/mo
Today · 4.125%
HK$40,198
baseline
▲ 0.50% · 4.625%
HK$42,317
+HK$2,119/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,396/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,301/mo
Today · 4.125%
HK$43,718
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,660/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$87,436/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,993
−HK$1,245/mo
Today · 4.125%
HK$48,238
baseline
▲ 0.50% · 4.625%
HK$50,781
+HK$2,543/mo
Deposit HK$6.01M · loan HK$9.02M · min. income ≈ HK$96,476/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,517/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$3,103/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,393
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,453/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,244
+HK$2,966/mo
Deposit HK$4.51M · loan HK$10.52M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,707
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,950/mo
Today · 4.125%
HK$65,576
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,990/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$131,152/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,648
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,489
−HK$1,868/mo
Today · 4.125%
HK$72,357
baseline
▲ 0.50% · 4.625%
HK$76,171
+HK$3,814/mo
Deposit HK$1.50M · loan HK$13.53M · min. income ≈ HK$144,714/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$563,778 · Scale 2, in force from 26 Feb 2026)