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$34,723
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$1,098/mo
Today · 4.125%
HK$36,901
baseline
▲ 0.50% · 4.625%
HK$39,146
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,802/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,629
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,665
−HK$1,051/mo
Today · 4.125%
HK$40,716
baseline
▲ 0.50% · 4.625%
HK$42,862
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,432/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,668
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,317/mo
Today · 4.125%
HK$44,281
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,562/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,261/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,435
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,612
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,124
−HK$1,537/mo
Today · 4.125%
HK$51,661
baseline
▲ 0.50% · 4.625%
HK$54,804
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,322/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,081
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,531
−HK$1,472/mo
Today · 4.125%
HK$57,003
baseline
▲ 0.50% · 4.625%
HK$60,007
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,006/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,502
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,446
−HK$1,975/mo
Today · 4.125%
HK$66,421
baseline
▲ 0.50% · 4.625%
HK$70,463
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,842/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,532
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,397
−HK$1,892/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,040 · Scale 2, in force from 26 Feb 2026)