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$34,358
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,427
−HK$1,085/mo
Today · 4.125%
HK$36,512
baseline
▲ 0.50% · 4.625%
HK$38,734
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,024/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,248
−HK$1,040/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,411
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,229
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,512
−HK$1,303/mo
Today · 4.125%
HK$43,815
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,630/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,867
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,248/mo
Today · 4.125%
HK$48,345
baseline
▲ 0.50% · 4.625%
HK$50,894
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,690/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,101
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,597
−HK$1,520/mo
Today · 4.125%
HK$51,117
baseline
▲ 0.50% · 4.625%
HK$54,228
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,234/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,512
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,947
−HK$1,456/mo
Today · 4.125%
HK$56,403
baseline
▲ 0.50% · 4.625%
HK$59,376
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,806/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,844
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,768
−HK$1,954/mo
Today · 4.125%
HK$65,722
baseline
▲ 0.50% · 4.625%
HK$69,721
+HK$3,999/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,444/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,801
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,646
−HK$1,872/mo
Today · 4.125%
HK$72,518
baseline
▲ 0.50% · 4.625%
HK$76,341
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,036/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,033 · Scale 2, in force from 26 Feb 2026)