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$34,374
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$1,086/mo
Today · 4.125%
HK$36,529
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,058/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,240
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,266
−HK$1,040/mo
Today · 4.125%
HK$40,306
baseline
▲ 0.50% · 4.625%
HK$42,431
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,612/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,248
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,531
−HK$1,304/mo
Today · 4.125%
HK$43,835
baseline
▲ 0.50% · 4.625%
HK$46,502
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,670/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,888
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,119
−HK$1,249/mo
Today · 4.125%
HK$48,368
baseline
▲ 0.50% · 4.625%
HK$50,917
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,736/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,123
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,620
−HK$1,521/mo
Today · 4.125%
HK$51,141
baseline
▲ 0.50% · 4.625%
HK$54,253
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,282/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,536
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,972
−HK$1,457/mo
Today · 4.125%
HK$56,429
baseline
▲ 0.50% · 4.625%
HK$59,403
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,858/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,873
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,797
−HK$1,956/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,753
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,833
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$1,872/mo
Today · 4.125%
HK$72,551
baseline
▲ 0.50% · 4.625%
HK$76,376
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,102/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,293 · Scale 2, in force from 26 Feb 2026)