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$34,926
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$1,104/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,855
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,897
−HK$1,057/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,113
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,911
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,215
−HK$1,324/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$47,249
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,626
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,876
−HK$1,269/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$51,735
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,896
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,417
−HK$1,545/mo
Today · 4.125%
HK$51,962
baseline
▲ 0.50% · 4.625%
HK$55,124
+HK$3,162/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,924/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,855
−HK$1,480/mo
Today · 4.125%
HK$57,335
baseline
▲ 0.50% · 4.625%
HK$60,358
+HK$3,023/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,670/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,867
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,822
−HK$1,987/mo
Today · 4.125%
HK$66,809
baseline
▲ 0.50% · 4.625%
HK$70,874
+HK$4,065/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,618/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,938
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,814
−HK$1,903/mo
Today · 4.125%
HK$73,717
baseline
▲ 0.50% · 4.625%
HK$77,603
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,434/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,374 · Scale 2, in force from 26 Feb 2026)