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$35,016
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,105
−HK$1,106/mo
Today · 4.125%
HK$37,211
baseline
▲ 0.50% · 4.625%
HK$39,476
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,422/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,955
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,060/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,223
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,328/mo
Today · 4.125%
HK$44,654
baseline
▲ 0.50% · 4.625%
HK$47,371
+HK$2,717/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,308/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,745
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,272/mo
Today · 4.125%
HK$49,271
baseline
▲ 0.50% · 4.625%
HK$51,868
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,542/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,022
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,547
−HK$1,549/mo
Today · 4.125%
HK$52,096
baseline
▲ 0.50% · 4.625%
HK$55,266
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,192/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,536
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$55,999
−HK$1,484/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,513
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,028
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,989
−HK$1,992/mo
Today · 4.125%
HK$66,981
baseline
▲ 0.50% · 4.625%
HK$71,056
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,962/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,118
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$71,999
−HK$1,907/mo
Today · 4.125%
HK$73,906
baseline
▲ 0.50% · 4.625%
HK$77,802
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,812/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,851 · Scale 2, in force from 26 Feb 2026)