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$34,871
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$1,102/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,793
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,834
−HK$1,055/mo
Today · 4.125%
HK$40,889
baseline
▲ 0.50% · 4.625%
HK$43,045
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,778/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,322/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,552
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,801
−HK$1,266/mo
Today · 4.125%
HK$49,067
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,134/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,338
−HK$1,542/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$55,037
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,311
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,767
−HK$1,478/mo
Today · 4.125%
HK$57,245
baseline
▲ 0.50% · 4.625%
HK$60,262
+HK$3,017/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,490/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,767
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,720
−HK$1,983/mo
Today · 4.125%
HK$66,703
baseline
▲ 0.50% · 4.625%
HK$70,762
+HK$4,059/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,406/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,828
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,701
−HK$1,900/mo
Today · 4.125%
HK$73,601
baseline
▲ 0.50% · 4.625%
HK$77,480
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,202/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,469 · Scale 2, in force from 26 Feb 2026)