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$35,639
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,748
−HK$1,126/mo
Today · 4.125%
HK$37,874
baseline
▲ 0.50% · 4.625%
HK$40,179
+HK$2,305/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,748/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,712
−HK$1,079/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$43,993
+HK$2,202/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,767
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,098
−HK$1,351/mo
Today · 4.125%
HK$45,449
baseline
▲ 0.50% · 4.625%
HK$48,215
+HK$2,766/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,898/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,578
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,854
−HK$1,295/mo
Today · 4.125%
HK$50,149
baseline
▲ 0.50% · 4.625%
HK$52,792
+HK$2,643/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,298/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,895
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,447
−HK$1,577/mo
Today · 4.125%
HK$53,024
baseline
▲ 0.50% · 4.625%
HK$56,250
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,048/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,508
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,997
−HK$1,510/mo
Today · 4.125%
HK$58,507
baseline
▲ 0.50% · 4.625%
HK$61,591
+HK$3,084/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,014/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,151
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$2,028/mo
Today · 4.125%
HK$68,174
baseline
▲ 0.50% · 4.625%
HK$72,322
+HK$4,148/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,348/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,367
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,281
−HK$1,942/mo
Today · 4.125%
HK$75,223
baseline
▲ 0.50% · 4.625%
HK$79,188
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,446/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,109 · Scale 2, in force from 26 Feb 2026)