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$34,508
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,581
−HK$1,091/mo
Today · 4.125%
HK$36,672
baseline
▲ 0.50% · 4.625%
HK$38,903
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,344/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,419
−HK$1,045/mo
Today · 4.125%
HK$40,464
baseline
▲ 0.50% · 4.625%
HK$42,596
+HK$2,132/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,928/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,409
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,309/mo
Today · 4.125%
HK$44,006
baseline
▲ 0.50% · 4.625%
HK$46,684
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,012/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,067
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,253/mo
Today · 4.125%
HK$48,556
baseline
▲ 0.50% · 4.625%
HK$51,116
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,112/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,311
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,814
−HK$1,526/mo
Today · 4.125%
HK$51,340
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,680/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,187
−HK$1,462/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$59,635
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,114
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,046
−HK$1,963/mo
Today · 4.125%
HK$66,009
baseline
▲ 0.50% · 4.625%
HK$70,025
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,018/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,101
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,954
−HK$1,880/mo
Today · 4.125%
HK$72,834
baseline
▲ 0.50% · 4.625%
HK$76,674
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,668/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,498 · Scale 2, in force from 26 Feb 2026)