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$34,145
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,207
−HK$1,079/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$2,208/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,985
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,004
−HK$1,034/mo
Today · 4.125%
HK$40,038
baseline
▲ 0.50% · 4.625%
HK$42,148
+HK$2,110/mo
Deposit HK$7.49M · loan HK$7.49M · min. income ≈ HK$80,076/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,973
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,248
−HK$1,295/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$46,192
+HK$2,649/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,240/mo
Today · 4.125%
HK$48,045
baseline
▲ 0.50% · 4.625%
HK$50,578
+HK$2,533/mo
Deposit HK$5.99M · loan HK$8.98M · min. income ≈ HK$96,090/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,802
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,289
−HK$1,511/mo
Today · 4.125%
HK$50,800
baseline
▲ 0.50% · 4.625%
HK$53,891
+HK$3,091/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$101,600/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,180
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,606
−HK$1,447/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,007
+HK$2,954/mo
Deposit HK$4.49M · loan HK$10.48M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,460
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,372
−HK$1,942/mo
Today · 4.125%
HK$65,314
baseline
▲ 0.50% · 4.625%
HK$69,288
+HK$3,974/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$130,628/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,374
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,208
−HK$1,860/mo
Today · 4.125%
HK$72,068
baseline
▲ 0.50% · 4.625%
HK$75,867
+HK$3,799/mo
Deposit HK$1.50M · loan HK$13.48M · min. income ≈ HK$144,136/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$561,525 · Scale 2, in force from 26 Feb 2026)