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$34,336
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,404
−HK$1,085/mo
Today · 4.125%
HK$36,489
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,978/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,198
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,039/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,384
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,203
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,485
−HK$1,302/mo
Today · 4.125%
HK$43,787
baseline
▲ 0.50% · 4.625%
HK$46,451
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,574/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,838
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,067
−HK$1,247/mo
Today · 4.125%
HK$48,314
baseline
▲ 0.50% · 4.625%
HK$50,861
+HK$2,547/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,628/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,070
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,565
−HK$1,519/mo
Today · 4.125%
HK$51,084
baseline
▲ 0.50% · 4.625%
HK$54,193
+HK$3,109/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,168/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,477
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,912
−HK$1,455/mo
Today · 4.125%
HK$56,367
baseline
▲ 0.50% · 4.625%
HK$59,338
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,734/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,804
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,727
−HK$1,953/mo
Today · 4.125%
HK$65,680
baseline
▲ 0.50% · 4.625%
HK$69,676
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,360/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,757
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,601
−HK$1,870/mo
Today · 4.125%
HK$72,471
baseline
▲ 0.50% · 4.625%
HK$76,291
+HK$3,820/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,942/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,669 · Scale 2, in force from 26 Feb 2026)