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$35,675
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$1,128/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$40,218
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,688
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,080/mo
Today · 4.125%
HK$41,832
baseline
▲ 0.50% · 4.625%
HK$44,037
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,664/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,809
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,353/mo
Today · 4.125%
HK$45,494
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,988/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,625
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,296/mo
Today · 4.125%
HK$50,198
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$2,646/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,396/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,944
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,498
−HK$1,578/mo
Today · 4.125%
HK$53,076
baseline
▲ 0.50% · 4.625%
HK$56,306
+HK$3,230/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,152/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,563
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,511/mo
Today · 4.125%
HK$58,564
baseline
▲ 0.50% · 4.625%
HK$61,651
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,128/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,214
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,212
−HK$2,029/mo
Today · 4.125%
HK$68,241
baseline
▲ 0.50% · 4.625%
HK$72,393
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,482/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,438
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,354
−HK$1,943/mo
Today · 4.125%
HK$75,297
baseline
▲ 0.50% · 4.625%
HK$79,266
+HK$3,969/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,594/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,687 · Scale 2, in force from 26 Feb 2026)