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$34,119
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,180
−HK$1,078/mo
Today · 4.125%
HK$36,258
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$2,207/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$72,516/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,957
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,975
−HK$1,033/mo
Today · 4.125%
HK$40,008
baseline
▲ 0.50% · 4.625%
HK$42,116
+HK$2,108/mo
Deposit HK$7.48M · loan HK$7.48M · min. income ≈ HK$80,016/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,216
−HK$1,294/mo
Today · 4.125%
HK$43,510
baseline
▲ 0.50% · 4.625%
HK$46,158
+HK$2,648/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,020/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,548
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,770
−HK$1,239/mo
Today · 4.125%
HK$48,009
baseline
▲ 0.50% · 4.625%
HK$50,540
+HK$2,531/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,018/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,766
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,252
−HK$1,510/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,851
+HK$3,089/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,140
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,565
−HK$1,446/mo
Today · 4.125%
HK$56,011
baseline
▲ 0.50% · 4.625%
HK$58,963
+HK$2,952/mo
Deposit HK$4.49M · loan HK$10.47M · min. income ≈ HK$112,022/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,414
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,324
−HK$1,941/mo
Today · 4.125%
HK$65,265
baseline
▲ 0.50% · 4.625%
HK$69,236
+HK$3,971/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$130,530/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,322
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,155
−HK$1,859/mo
Today · 4.125%
HK$72,014
baseline
▲ 0.50% · 4.625%
HK$75,810
+HK$3,796/mo
Deposit HK$1.50M · loan HK$13.47M · min. income ≈ HK$144,028/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,103 · Scale 2, in force from 26 Feb 2026)