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$34,406
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$1,087/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,041/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,571
−HK$1,305/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,546
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,931
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,163
−HK$1,250/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$50,965
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,168
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,666
−HK$1,523/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,586
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,024
−HK$1,458/mo
Today · 4.125%
HK$56,482
baseline
▲ 0.50% · 4.625%
HK$59,459
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,964/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,930
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,957/mo
Today · 4.125%
HK$65,814
baseline
▲ 0.50% · 4.625%
HK$69,819
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,628/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,897
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,745
−HK$1,874/mo
Today · 4.125%
HK$72,619
baseline
▲ 0.50% · 4.625%
HK$76,447
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,238/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,821 · Scale 2, in force from 26 Feb 2026)