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$34,640
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$1,095/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$39,052
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,536
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,048/mo
Today · 4.125%
HK$40,618
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,236/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,568
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,861
−HK$1,313/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,862
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,348/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,484
−HK$1,258/mo
Today · 4.125%
HK$48,742
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,484/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,495
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,533/mo
Today · 4.125%
HK$51,537
baseline
▲ 0.50% · 4.625%
HK$54,672
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,074/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,951
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,398
−HK$1,467/mo
Today · 4.125%
HK$56,865
baseline
▲ 0.50% · 4.625%
HK$59,863
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,730/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,351
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,970/mo
Today · 4.125%
HK$66,261
baseline
▲ 0.50% · 4.625%
HK$70,293
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,522/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,365
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,226
−HK$1,887/mo
Today · 4.125%
HK$73,113
baseline
▲ 0.50% · 4.625%
HK$76,967
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,226/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,667 · Scale 2, in force from 26 Feb 2026)