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$35,277
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,374
−HK$1,115/mo
Today · 4.125%
HK$37,489
baseline
▲ 0.50% · 4.625%
HK$39,770
+HK$2,281/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$74,978/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,245
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,068/mo
Today · 4.125%
HK$41,365
baseline
▲ 0.50% · 4.625%
HK$43,545
+HK$2,180/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,730/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,332
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,649
−HK$1,337/mo
Today · 4.125%
HK$44,986
baseline
▲ 0.50% · 4.625%
HK$47,724
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$89,972/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,094
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,357
−HK$1,281/mo
Today · 4.125%
HK$49,638
baseline
▲ 0.50% · 4.625%
HK$52,255
+HK$2,617/mo
Deposit HK$6.19M · loan HK$9.28M · min. income ≈ HK$99,276/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,387
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,923
−HK$1,561/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,678
+HK$3,194/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,943
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,416
−HK$1,495/mo
Today · 4.125%
HK$57,911
baseline
▲ 0.50% · 4.625%
HK$60,964
+HK$3,053/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,822/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,498
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,473
−HK$2,007/mo
Today · 4.125%
HK$67,480
baseline
▲ 0.50% · 4.625%
HK$71,586
+HK$4,106/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$134,960/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,641
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,535
−HK$1,922/mo
Today · 4.125%
HK$74,457
baseline
▲ 0.50% · 4.625%
HK$78,382
+HK$3,925/mo
Deposit HK$1.55M · loan HK$13.92M · min. income ≈ HK$148,914/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,142 · Scale 2, in force from 26 Feb 2026)