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$34,776
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,858
−HK$1,099/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,688
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,726
−HK$1,053/mo
Today · 4.125%
HK$40,779
baseline
▲ 0.50% · 4.625%
HK$42,928
+HK$2,149/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,558/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,319/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,426
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,263/mo
Today · 4.125%
HK$48,934
baseline
▲ 0.50% · 4.625%
HK$51,514
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,868/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,687
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,201
−HK$1,539/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$3,148/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,164
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,616
−HK$1,474/mo
Today · 4.125%
HK$57,090
baseline
▲ 0.50% · 4.625%
HK$60,099
+HK$3,009/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,180/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,597
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,978/mo
Today · 4.125%
HK$66,523
baseline
▲ 0.50% · 4.625%
HK$70,571
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,046/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,639
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$1,894/mo
Today · 4.125%
HK$73,401
baseline
▲ 0.50% · 4.625%
HK$77,271
+HK$3,870/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,802/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,916 · Scale 2, in force from 26 Feb 2026)