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$35,655
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,764
−HK$1,127/mo
Today · 4.125%
HK$37,891
baseline
▲ 0.50% · 4.625%
HK$40,196
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,782/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,666
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,730
−HK$1,079/mo
Today · 4.125%
HK$41,809
baseline
▲ 0.50% · 4.625%
HK$44,013
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,618/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,352/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,767/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,295/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$52,815
+HK$2,645/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,340/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,917
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,470
−HK$1,577/mo
Today · 4.125%
HK$53,047
baseline
▲ 0.50% · 4.625%
HK$56,275
+HK$3,228/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,094/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,532
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,021
−HK$1,511/mo
Today · 4.125%
HK$58,532
baseline
▲ 0.50% · 4.625%
HK$61,618
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,064/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,179
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,175
−HK$2,028/mo
Today · 4.125%
HK$68,203
baseline
▲ 0.50% · 4.625%
HK$72,353
+HK$4,150/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,406/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,398
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,313
−HK$1,943/mo
Today · 4.125%
HK$75,256
baseline
▲ 0.50% · 4.625%
HK$79,223
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,512/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,364 · Scale 2, in force from 26 Feb 2026)