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$34,328
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,395
−HK$1,085/mo
Today · 4.125%
HK$36,480
baseline
▲ 0.50% · 4.625%
HK$38,700
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,960/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,189
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,213
−HK$1,039/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,374
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,193
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,302/mo
Today · 4.125%
HK$43,776
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,552/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,827
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,056
−HK$1,247/mo
Today · 4.125%
HK$48,303
baseline
▲ 0.50% · 4.625%
HK$50,849
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,606/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,059
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,554
−HK$1,518/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,465
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,899
−HK$1,454/mo
Today · 4.125%
HK$56,353
baseline
▲ 0.50% · 4.625%
HK$59,324
+HK$2,971/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,706/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,790
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,712
−HK$1,952/mo
Today · 4.125%
HK$65,664
baseline
▲ 0.50% · 4.625%
HK$69,660
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,328/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,740
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,584
−HK$1,870/mo
Today · 4.125%
HK$72,454
baseline
▲ 0.50% · 4.625%
HK$76,273
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,908/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,536 · Scale 2, in force from 26 Feb 2026)