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$34,602
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$1,094/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$39,009
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,494
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,047/mo
Today · 4.125%
HK$40,574
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,148/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,522
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,814
−HK$1,312/mo
Today · 4.125%
HK$44,126
baseline
▲ 0.50% · 4.625%
HK$46,811
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,252/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,193
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,257/mo
Today · 4.125%
HK$48,689
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,378/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,443
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,950
−HK$1,531/mo
Today · 4.125%
HK$51,481
baseline
▲ 0.50% · 4.625%
HK$54,613
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,962/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,892
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,338
−HK$1,466/mo
Today · 4.125%
HK$56,804
baseline
▲ 0.50% · 4.625%
HK$59,798
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,608/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,284
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,221
−HK$1,968/mo
Today · 4.125%
HK$66,189
baseline
▲ 0.50% · 4.625%
HK$70,217
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,378/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,290
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,148
−HK$1,886/mo
Today · 4.125%
HK$73,034
baseline
▲ 0.50% · 4.625%
HK$76,883
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,068/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,050 · Scale 2, in force from 26 Feb 2026)