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$34,616
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,693
−HK$1,094/mo
Today · 4.125%
HK$36,787
baseline
▲ 0.50% · 4.625%
HK$39,025
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,574/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,510
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,543
−HK$1,048/mo
Today · 4.125%
HK$40,591
baseline
▲ 0.50% · 4.625%
HK$42,730
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,182/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,540
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,832
−HK$1,312/mo
Today · 4.125%
HK$44,144
baseline
▲ 0.50% · 4.625%
HK$46,830
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,288/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,212
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,452
−HK$1,257/mo
Today · 4.125%
HK$48,709
baseline
▲ 0.50% · 4.625%
HK$51,277
+HK$2,568/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,418/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,463
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,532/mo
Today · 4.125%
HK$51,502
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,004/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,914
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,360
−HK$1,467/mo
Today · 4.125%
HK$56,827
baseline
▲ 0.50% · 4.625%
HK$59,823
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,654/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,309
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,247
−HK$1,970/mo
Today · 4.125%
HK$66,217
baseline
▲ 0.50% · 4.625%
HK$70,246
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,434/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,318
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,178
−HK$1,886/mo
Today · 4.125%
HK$73,064
baseline
▲ 0.50% · 4.625%
HK$76,915
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,128/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,283 · Scale 2, in force from 26 Feb 2026)