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$34,373
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,442
−HK$1,086/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,751
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,239
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,265
−HK$1,040/mo
Today · 4.125%
HK$40,305
baseline
▲ 0.50% · 4.625%
HK$42,430
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,610/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,247
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,530
−HK$1,304/mo
Today · 4.125%
HK$43,834
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,668/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,118
−HK$1,248/mo
Today · 4.125%
HK$48,366
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,732/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,122
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,619
−HK$1,520/mo
Today · 4.125%
HK$51,139
baseline
▲ 0.50% · 4.625%
HK$54,251
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,278/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,535
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,971
−HK$1,456/mo
Today · 4.125%
HK$56,427
baseline
▲ 0.50% · 4.625%
HK$59,402
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,854/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,871
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,795
−HK$1,956/mo
Today · 4.125%
HK$65,751
baseline
▲ 0.50% · 4.625%
HK$69,751
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,502/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,677
−HK$1,872/mo
Today · 4.125%
HK$72,549
baseline
▲ 0.50% · 4.625%
HK$76,373
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,098/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,276 · Scale 2, in force from 26 Feb 2026)