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$34,332
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$1,085/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,705
+HK$2,220/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,194
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,218
−HK$1,040/mo
Today · 4.125%
HK$40,258
baseline
▲ 0.50% · 4.625%
HK$42,380
+HK$2,122/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,516/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,302/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,664/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,833
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,247/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$50,855
+HK$2,546/mo
Deposit HK$6.02M · loan HK$9.03M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,065
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,560
−HK$1,519/mo
Today · 4.125%
HK$51,079
baseline
▲ 0.50% · 4.625%
HK$54,187
+HK$3,108/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$102,158/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,472
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,906
−HK$1,455/mo
Today · 4.125%
HK$56,361
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$2,970/mo
Deposit HK$4.52M · loan HK$10.54M · min. income ≈ HK$112,722/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,798
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,720
−HK$1,953/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,669
+HK$3,996/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,749
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$1,871/mo
Today · 4.125%
HK$72,464
baseline
▲ 0.50% · 4.625%
HK$76,283
+HK$3,819/mo
Deposit HK$1.51M · loan HK$13.55M · min. income ≈ HK$144,928/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,609 · Scale 2, in force from 26 Feb 2026)