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$34,440
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$1,088/mo
Today · 4.125%
HK$36,599
baseline
▲ 0.50% · 4.625%
HK$38,826
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,198/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,314
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,341
−HK$1,043/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,513
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,328
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,613
−HK$1,306/mo
Today · 4.125%
HK$43,919
baseline
▲ 0.50% · 4.625%
HK$46,592
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,838/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,977
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,210
−HK$1,251/mo
Today · 4.125%
HK$48,461
baseline
▲ 0.50% · 4.625%
HK$51,015
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,922/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,524/mo
Today · 4.125%
HK$51,239
baseline
▲ 0.50% · 4.625%
HK$54,357
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,478/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,459/mo
Today · 4.125%
HK$56,537
baseline
▲ 0.50% · 4.625%
HK$59,518
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,074/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,992
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,920
−HK$1,959/mo
Today · 4.125%
HK$65,879
baseline
▲ 0.50% · 4.625%
HK$69,887
+HK$4,008/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,758/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,965
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,815
−HK$1,876/mo
Today · 4.125%
HK$72,691
baseline
▲ 0.50% · 4.625%
HK$76,523
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,382/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,380 · Scale 2, in force from 26 Feb 2026)