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$34,237
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$1,082/mo
Today · 4.125%
HK$36,384
baseline
▲ 0.50% · 4.625%
HK$38,598
+HK$2,214/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$72,768/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,037/mo
Today · 4.125%
HK$40,147
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,116/mo
Deposit HK$7.51M · loan HK$7.51M · min. income ≈ HK$80,294/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,085
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,363
−HK$1,298/mo
Today · 4.125%
HK$43,661
baseline
▲ 0.50% · 4.625%
HK$46,318
+HK$2,657/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$87,322/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,706
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,932
−HK$1,244/mo
Today · 4.125%
HK$48,176
baseline
▲ 0.50% · 4.625%
HK$50,715
+HK$2,539/mo
Deposit HK$6.01M · loan HK$9.01M · min. income ≈ HK$96,352/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,515/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$54,038
+HK$3,100/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,451/mo
Today · 4.125%
HK$56,205
baseline
▲ 0.50% · 4.625%
HK$59,168
+HK$2,963/mo
Deposit HK$4.50M · loan HK$10.51M · min. income ≈ HK$112,410/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,627
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,544
−HK$1,948/mo
Today · 4.125%
HK$65,492
baseline
▲ 0.50% · 4.625%
HK$69,477
+HK$3,985/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$130,984/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,560
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,398
−HK$1,866/mo
Today · 4.125%
HK$72,264
baseline
▲ 0.50% · 4.625%
HK$76,073
+HK$3,809/mo
Deposit HK$1.50M · loan HK$13.51M · min. income ≈ HK$144,528/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$563,052 · Scale 2, in force from 26 Feb 2026)