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$34,467
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,539
−HK$1,090/mo
Today · 4.125%
HK$36,629
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,258/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,373
−HK$1,043/mo
Today · 4.125%
HK$40,416
baseline
▲ 0.50% · 4.625%
HK$42,546
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,832/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,361
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,647
−HK$1,307/mo
Today · 4.125%
HK$43,954
baseline
▲ 0.50% · 4.625%
HK$46,629
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,908/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,013
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,247
−HK$1,252/mo
Today · 4.125%
HK$48,499
baseline
▲ 0.50% · 4.625%
HK$51,056
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,998/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,254
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,755
−HK$1,525/mo
Today · 4.125%
HK$51,280
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,560/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,682
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,122
−HK$1,460/mo
Today · 4.125%
HK$56,582
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$2,983/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,164/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,041
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,971
−HK$1,960/mo
Today · 4.125%
HK$65,931
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,862/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,020
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,871
−HK$1,878/mo
Today · 4.125%
HK$72,749
baseline
▲ 0.50% · 4.625%
HK$76,583
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,498/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,831 · Scale 2, in force from 26 Feb 2026)