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$34,617
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,694
−HK$1,094/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$39,026
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,511
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,047/mo
Today · 4.125%
HK$40,591
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,182/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,540
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,832
−HK$1,313/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,831
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,213
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,452
−HK$1,258/mo
Today · 4.125%
HK$48,710
baseline
▲ 0.50% · 4.625%
HK$51,277
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,420/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,464
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,971
−HK$1,532/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,915
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,361
−HK$1,467/mo
Today · 4.125%
HK$56,828
baseline
▲ 0.50% · 4.625%
HK$59,824
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,656/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,310
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,248
−HK$1,970/mo
Today · 4.125%
HK$66,218
baseline
▲ 0.50% · 4.625%
HK$70,247
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,436/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,320
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,179
−HK$1,886/mo
Today · 4.125%
HK$73,065
baseline
▲ 0.50% · 4.625%
HK$76,916
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,130/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,292 · Scale 2, in force from 26 Feb 2026)