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$34,463
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$1,089/mo
Today · 4.125%
HK$36,624
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,248/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,340
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,368
−HK$1,043/mo
Today · 4.125%
HK$40,411
baseline
▲ 0.50% · 4.625%
HK$42,541
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,822/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,356
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,307/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,674/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,242
−HK$1,252/mo
Today · 4.125%
HK$48,494
baseline
▲ 0.50% · 4.625%
HK$51,050
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,988/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,525/mo
Today · 4.125%
HK$51,274
baseline
▲ 0.50% · 4.625%
HK$54,394
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,548/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,676
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,116
−HK$1,460/mo
Today · 4.125%
HK$56,576
baseline
▲ 0.50% · 4.625%
HK$59,558
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,152/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,034
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,961/mo
Today · 4.125%
HK$65,924
baseline
▲ 0.50% · 4.625%
HK$69,935
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,848/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,012
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,863
−HK$1,877/mo
Today · 4.125%
HK$72,740
baseline
▲ 0.50% · 4.625%
HK$76,575
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,480/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,766 · Scale 2, in force from 26 Feb 2026)