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$33,996
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$1,074/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,327
+HK$2,199/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,821
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,835
−HK$1,029/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,101/mo
Deposit HK$7.45M · loan HK$7.45M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,796
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,065
−HK$1,289/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,992
+HK$2,638/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,385
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,602
−HK$1,235/mo
Today · 4.125%
HK$47,837
baseline
▲ 0.50% · 4.625%
HK$50,358
+HK$2,521/mo
Deposit HK$5.96M · loan HK$8.95M · min. income ≈ HK$95,674/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,075
−HK$1,505/mo
Today · 4.125%
HK$50,580
baseline
▲ 0.50% · 4.625%
HK$53,657
+HK$3,077/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$101,160/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,949
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,369
−HK$1,441/mo
Today · 4.125%
HK$55,810
baseline
▲ 0.50% · 4.625%
HK$58,751
+HK$2,941/mo
Deposit HK$4.47M · loan HK$10.44M · min. income ≈ HK$111,620/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,193
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,097
−HK$1,934/mo
Today · 4.125%
HK$65,031
baseline
▲ 0.50% · 4.625%
HK$68,988
+HK$3,957/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$130,062/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,077
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,903
−HK$1,852/mo
Today · 4.125%
HK$71,755
baseline
▲ 0.50% · 4.625%
HK$75,537
+HK$3,782/mo
Deposit HK$1.49M · loan HK$13.42M · min. income ≈ HK$143,510/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$559,088 · Scale 2, in force from 26 Feb 2026)