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$35,233
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$1,114/mo
Today · 4.125%
HK$37,443
baseline
▲ 0.50% · 4.625%
HK$39,721
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,886/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,197
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,248
−HK$1,066/mo
Today · 4.125%
HK$41,314
baseline
▲ 0.50% · 4.625%
HK$43,492
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,628/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,280
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,595
−HK$1,336/mo
Today · 4.125%
HK$44,931
baseline
▲ 0.50% · 4.625%
HK$47,665
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,862/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,036
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,298
−HK$1,279/mo
Today · 4.125%
HK$49,577
baseline
▲ 0.50% · 4.625%
HK$52,191
+HK$2,614/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,154/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,327
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,861
−HK$1,559/mo
Today · 4.125%
HK$52,420
baseline
▲ 0.50% · 4.625%
HK$55,610
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,840/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,876
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,347
−HK$1,493/mo
Today · 4.125%
HK$57,840
baseline
▲ 0.50% · 4.625%
HK$60,889
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,680/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,420
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,393
−HK$2,004/mo
Today · 4.125%
HK$67,397
baseline
▲ 0.50% · 4.625%
HK$71,498
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,794/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,554
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,446
−HK$1,920/mo
Today · 4.125%
HK$74,366
baseline
▲ 0.50% · 4.625%
HK$78,286
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,732/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,432 · Scale 2, in force from 26 Feb 2026)