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$34,473
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$1,090/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,044/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,554
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,368
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,308/mo
Today · 4.125%
HK$43,962
baseline
▲ 0.50% · 4.625%
HK$46,637
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,924/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,021
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,255
−HK$1,252/mo
Today · 4.125%
HK$48,507
baseline
▲ 0.50% · 4.625%
HK$51,064
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,014/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,526/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$3,120/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,691
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,461/mo
Today · 4.125%
HK$56,592
baseline
▲ 0.50% · 4.625%
HK$59,575
+HK$2,983/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,184/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,051
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,981
−HK$1,961/mo
Today · 4.125%
HK$65,942
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,884/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,031
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,883
−HK$1,878/mo
Today · 4.125%
HK$72,761
baseline
▲ 0.50% · 4.625%
HK$76,596
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,522/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,926 · Scale 2, in force from 26 Feb 2026)