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$34,894
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$1,103/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,820
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,056/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,074
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,323/mo
Today · 4.125%
HK$44,499
baseline
▲ 0.50% · 4.625%
HK$47,207
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,998/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,584
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,267/mo
Today · 4.125%
HK$49,100
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,200/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,852
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,544/mo
Today · 4.125%
HK$51,916
baseline
▲ 0.50% · 4.625%
HK$55,074
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,832/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,347
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,805
−HK$1,479/mo
Today · 4.125%
HK$57,284
baseline
▲ 0.50% · 4.625%
HK$60,303
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,568/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,810
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,764
−HK$1,985/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,810
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,498/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,875
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$1,901/mo
Today · 4.125%
HK$73,650
baseline
▲ 0.50% · 4.625%
HK$77,533
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,300/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,856 · Scale 2, in force from 26 Feb 2026)