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$34,725
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,806
−HK$1,097/mo
Today · 4.125%
HK$36,903
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,806/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,632
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,668
−HK$1,051/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$42,865
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,317/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,978
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,358
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,601
−HK$1,262/mo
Today · 4.125%
HK$48,863
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,726/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,615
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,536/mo
Today · 4.125%
HK$51,664
baseline
▲ 0.50% · 4.625%
HK$54,808
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,328/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,084
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,535
−HK$1,471/mo
Today · 4.125%
HK$57,006
baseline
▲ 0.50% · 4.625%
HK$60,011
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,012/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,506
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,450
−HK$1,975/mo
Today · 4.125%
HK$66,425
baseline
▲ 0.50% · 4.625%
HK$70,467
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,850/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,537
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,402
−HK$1,892/mo
Today · 4.125%
HK$73,294
baseline
▲ 0.50% · 4.625%
HK$77,157
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,588/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,077 · Scale 2, in force from 26 Feb 2026)