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$34,581
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$1,093/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,471
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,503
−HK$1,046/mo
Today · 4.125%
HK$40,549
baseline
▲ 0.50% · 4.625%
HK$42,687
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,098/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,497
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,311/mo
Today · 4.125%
HK$44,099
baseline
▲ 0.50% · 4.625%
HK$46,782
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,198/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,165
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,403
−HK$1,256/mo
Today · 4.125%
HK$48,659
baseline
▲ 0.50% · 4.625%
HK$51,224
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,318/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,413
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,530/mo
Today · 4.125%
HK$51,449
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,898/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,859
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,465/mo
Today · 4.125%
HK$56,769
baseline
▲ 0.50% · 4.625%
HK$59,761
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,538/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,245
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,967/mo
Today · 4.125%
HK$66,149
baseline
▲ 0.50% · 4.625%
HK$70,174
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,298/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,247
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$1,884/mo
Today · 4.125%
HK$72,989
baseline
▲ 0.50% · 4.625%
HK$76,836
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,978/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,699 · Scale 2, in force from 26 Feb 2026)