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$34,312
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,379
−HK$1,085/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,682
+HK$2,218/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,172
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,196
−HK$1,038/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,355
+HK$2,121/mo
Deposit HK$7.52M · loan HK$7.52M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,175
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,455
−HK$1,302/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,419
+HK$2,662/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,806
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,035
−HK$1,246/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$50,826
+HK$2,545/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,037
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,531
−HK$1,518/mo
Today · 4.125%
HK$51,049
baseline
▲ 0.50% · 4.625%
HK$54,155
+HK$3,106/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$102,098/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,441
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,874
−HK$1,454/mo
Today · 4.125%
HK$56,328
baseline
▲ 0.50% · 4.625%
HK$59,297
+HK$2,969/mo
Deposit HK$4.51M · loan HK$10.53M · min. income ≈ HK$112,656/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,762
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,683
−HK$1,952/mo
Today · 4.125%
HK$65,635
baseline
▲ 0.50% · 4.625%
HK$69,628
+HK$3,993/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$131,270/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,709
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,552
−HK$1,870/mo
Today · 4.125%
HK$72,422
baseline
▲ 0.50% · 4.625%
HK$76,239
+HK$3,817/mo
Deposit HK$1.50M · loan HK$13.54M · min. income ≈ HK$144,844/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,281 · Scale 2, in force from 26 Feb 2026)