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$34,550
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$1,091/mo
Today · 4.125%
HK$36,716
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,432/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,436
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,467
−HK$1,046/mo
Today · 4.125%
HK$40,513
baseline
▲ 0.50% · 4.625%
HK$42,648
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,026/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,749
−HK$1,311/mo
Today · 4.125%
HK$44,060
baseline
▲ 0.50% · 4.625%
HK$46,741
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,120/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,124
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,361
−HK$1,254/mo
Today · 4.125%
HK$48,615
baseline
▲ 0.50% · 4.625%
HK$51,178
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,230/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,370
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,529/mo
Today · 4.125%
HK$51,403
baseline
▲ 0.50% · 4.625%
HK$54,531
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,806/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,811
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,254
−HK$1,464/mo
Today · 4.125%
HK$56,718
baseline
▲ 0.50% · 4.625%
HK$59,708
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,436/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,190
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,124
−HK$1,966/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$70,111
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,185
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,041
−HK$1,882/mo
Today · 4.125%
HK$72,923
baseline
▲ 0.50% · 4.625%
HK$76,767
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,846/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,190 · Scale 2, in force from 26 Feb 2026)