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$34,323
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,391
−HK$1,084/mo
Today · 4.125%
HK$36,475
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,950/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,184
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,039/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,369
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,302/mo
Today · 4.125%
HK$43,771
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,663/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,542/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,247/mo
Today · 4.125%
HK$48,297
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,594/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,547
−HK$1,519/mo
Today · 4.125%
HK$51,066
baseline
▲ 0.50% · 4.625%
HK$54,173
+HK$3,107/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,132/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,458
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,891
−HK$1,455/mo
Today · 4.125%
HK$56,346
baseline
▲ 0.50% · 4.625%
HK$59,316
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,692/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,782
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,703
−HK$1,953/mo
Today · 4.125%
HK$65,656
baseline
▲ 0.50% · 4.625%
HK$69,651
+HK$3,995/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,312/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,731
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,575
−HK$1,870/mo
Today · 4.125%
HK$72,445
baseline
▲ 0.50% · 4.625%
HK$76,263
+HK$3,818/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,890/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,462 · Scale 2, in force from 26 Feb 2026)