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$34,768
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$1,099/mo
Today · 4.125%
HK$36,948
baseline
▲ 0.50% · 4.625%
HK$39,196
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,896/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,679
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,716
−HK$1,052/mo
Today · 4.125%
HK$40,768
baseline
▲ 0.50% · 4.625%
HK$42,917
+HK$2,149/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,536/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,721
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,019
−HK$1,319/mo
Today · 4.125%
HK$44,338
baseline
▲ 0.50% · 4.625%
HK$47,035
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,676/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,415
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,659
−HK$1,263/mo
Today · 4.125%
HK$48,922
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,844/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,675
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,538/mo
Today · 4.125%
HK$51,727
baseline
▲ 0.50% · 4.625%
HK$54,875
+HK$3,148/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,454/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,150
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,603
−HK$1,473/mo
Today · 4.125%
HK$57,076
baseline
▲ 0.50% · 4.625%
HK$60,084
+HK$3,008/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,152/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,582
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,529
−HK$1,977/mo
Today · 4.125%
HK$66,506
baseline
▲ 0.50% · 4.625%
HK$70,553
+HK$4,047/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$133,012/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,622
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,489
−HK$1,894/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,251
+HK$3,868/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,774 · Scale 2, in force from 26 Feb 2026)