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$35,254
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,351
−HK$1,114/mo
Today · 4.125%
HK$37,465
baseline
▲ 0.50% · 4.625%
HK$39,745
+HK$2,280/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,930/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,220
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,272
−HK$1,067/mo
Today · 4.125%
HK$41,339
baseline
▲ 0.50% · 4.625%
HK$43,518
+HK$2,179/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,678/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,305
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,621
−HK$1,337/mo
Today · 4.125%
HK$44,958
baseline
▲ 0.50% · 4.625%
HK$47,694
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,916/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,064
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,326
−HK$1,281/mo
Today · 4.125%
HK$49,607
baseline
▲ 0.50% · 4.625%
HK$52,222
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,214/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,356
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,891
−HK$1,560/mo
Today · 4.125%
HK$52,451
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,902/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,908
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,381
−HK$1,494/mo
Today · 4.125%
HK$57,875
baseline
▲ 0.50% · 4.625%
HK$60,925
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,750/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,458
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,432
−HK$2,005/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$71,540
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,596
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,489
−HK$1,921/mo
Today · 4.125%
HK$74,410
baseline
▲ 0.50% · 4.625%
HK$78,332
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,820/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,775 · Scale 2, in force from 26 Feb 2026)