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$34,769
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,851
−HK$1,098/mo
Today · 4.125%
HK$36,949
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$2,249/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,898/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,680
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,718
−HK$1,052/mo
Today · 4.125%
HK$40,770
baseline
▲ 0.50% · 4.625%
HK$42,919
+HK$2,149/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,540/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,723
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,021
−HK$1,318/mo
Today · 4.125%
HK$44,339
baseline
▲ 0.50% · 4.625%
HK$47,037
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,678/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,416
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,661
−HK$1,263/mo
Today · 4.125%
HK$48,924
baseline
▲ 0.50% · 4.625%
HK$51,503
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,848/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,677
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,191
−HK$1,538/mo
Today · 4.125%
HK$51,729
baseline
▲ 0.50% · 4.625%
HK$54,877
+HK$3,148/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,458/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,152
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,605
−HK$1,473/mo
Today · 4.125%
HK$57,078
baseline
▲ 0.50% · 4.625%
HK$60,087
+HK$3,009/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,156/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,584
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,531
−HK$1,978/mo
Today · 4.125%
HK$66,509
baseline
▲ 0.50% · 4.625%
HK$70,556
+HK$4,047/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$133,018/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,625
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,492
−HK$1,894/mo
Today · 4.125%
HK$73,386
baseline
▲ 0.50% · 4.625%
HK$77,254
+HK$3,868/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,772/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,797 · Scale 2, in force from 26 Feb 2026)