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$35,018
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,107
−HK$1,107/mo
Today · 4.125%
HK$37,214
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,428/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,957
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,002
−HK$1,060/mo
Today · 4.125%
HK$41,062
baseline
▲ 0.50% · 4.625%
HK$43,226
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,124/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,021
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,328
−HK$1,328/mo
Today · 4.125%
HK$44,656
baseline
▲ 0.50% · 4.625%
HK$47,374
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,312/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,748
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,002
−HK$1,272/mo
Today · 4.125%
HK$49,274
baseline
▲ 0.50% · 4.625%
HK$51,871
+HK$2,597/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,548/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,025
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,550
−HK$1,549/mo
Today · 4.125%
HK$52,099
baseline
▲ 0.50% · 4.625%
HK$55,269
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,198/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,540
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,002
−HK$1,484/mo
Today · 4.125%
HK$57,486
baseline
▲ 0.50% · 4.625%
HK$60,516
+HK$3,030/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,972/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,032
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,993
−HK$1,992/mo
Today · 4.125%
HK$66,985
baseline
▲ 0.50% · 4.625%
HK$71,061
+HK$4,076/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,970/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,122
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,003
−HK$1,908/mo
Today · 4.125%
HK$73,911
baseline
▲ 0.50% · 4.625%
HK$77,807
+HK$3,896/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,822/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,886 · Scale 2, in force from 26 Feb 2026)