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$34,306
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,374
−HK$1,084/mo
Today · 4.125%
HK$36,458
baseline
▲ 0.50% · 4.625%
HK$38,676
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,916/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,166
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,189
−HK$1,039/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,348
+HK$2,120/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,168
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,448
−HK$1,301/mo
Today · 4.125%
HK$43,749
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,498/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,799
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,027
−HK$1,246/mo
Today · 4.125%
HK$48,273
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,546/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,029
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,523
−HK$1,518/mo
Today · 4.125%
HK$51,041
baseline
▲ 0.50% · 4.625%
HK$54,147
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,082/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,432
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,865
−HK$1,454/mo
Today · 4.125%
HK$56,319
baseline
▲ 0.50% · 4.625%
HK$59,287
+HK$2,968/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,638/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,752
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,672
−HK$1,952/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,617
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,698
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,540
−HK$1,870/mo
Today · 4.125%
HK$72,410
baseline
▲ 0.50% · 4.625%
HK$76,226
+HK$3,816/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,820/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,187 · Scale 2, in force from 26 Feb 2026)