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$34,604
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,681
−HK$1,093/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$39,012
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,497
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,048/mo
Today · 4.125%
HK$40,577
baseline
▲ 0.50% · 4.625%
HK$42,716
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,154/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,525
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,312/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,814
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,196
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,435
−HK$1,257/mo
Today · 4.125%
HK$48,692
baseline
▲ 0.50% · 4.625%
HK$51,259
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,384/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,446
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,953
−HK$1,531/mo
Today · 4.125%
HK$51,484
baseline
▲ 0.50% · 4.625%
HK$54,617
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,968/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,896
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,341
−HK$1,467/mo
Today · 4.125%
HK$56,808
baseline
▲ 0.50% · 4.625%
HK$59,802
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,616/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,288
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,225
−HK$1,969/mo
Today · 4.125%
HK$66,194
baseline
▲ 0.50% · 4.625%
HK$70,222
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,388/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,295
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,153
−HK$1,885/mo
Today · 4.125%
HK$73,038
baseline
▲ 0.50% · 4.625%
HK$76,888
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,076/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,087 · Scale 2, in force from 26 Feb 2026)