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$34,505
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,579
−HK$1,090/mo
Today · 4.125%
HK$36,669
baseline
▲ 0.50% · 4.625%
HK$38,900
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,338/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,387
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,416
−HK$1,045/mo
Today · 4.125%
HK$40,461
baseline
▲ 0.50% · 4.625%
HK$42,594
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,922/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,694
−HK$1,309/mo
Today · 4.125%
HK$44,003
baseline
▲ 0.50% · 4.625%
HK$46,681
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,006/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,064
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,300
−HK$1,253/mo
Today · 4.125%
HK$48,553
baseline
▲ 0.50% · 4.625%
HK$51,112
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,106/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,308
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,810
−HK$1,527/mo
Today · 4.125%
HK$51,337
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,674/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,742
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,183
−HK$1,462/mo
Today · 4.125%
HK$56,645
baseline
▲ 0.50% · 4.625%
HK$59,631
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,290/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,110
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,042
−HK$1,963/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$70,021
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,096
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,950
−HK$1,880/mo
Today · 4.125%
HK$72,830
baseline
▲ 0.50% · 4.625%
HK$76,668
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,660/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,460 · Scale 2, in force from 26 Feb 2026)