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$34,802
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$1,100/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$39,235
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,755
−HK$1,054/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,319/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,701/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,460
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,265/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,723
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,539/mo
Today · 4.125%
HK$51,778
baseline
▲ 0.50% · 4.625%
HK$54,929
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,556/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,204
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,658
−HK$1,474/mo
Today · 4.125%
HK$57,132
baseline
▲ 0.50% · 4.625%
HK$60,144
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,264/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,644
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,592
−HK$1,980/mo
Today · 4.125%
HK$66,572
baseline
▲ 0.50% · 4.625%
HK$70,623
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,144/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,691
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,560
−HK$1,896/mo
Today · 4.125%
HK$73,456
baseline
▲ 0.50% · 4.625%
HK$77,328
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,912/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,340 · Scale 2, in force from 26 Feb 2026)