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$35,652
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$1,127/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,663
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,726
−HK$1,079/mo
Today · 4.125%
HK$41,805
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,610/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,782
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,113
−HK$1,352/mo
Today · 4.125%
HK$45,465
baseline
▲ 0.50% · 4.625%
HK$48,232
+HK$2,767/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,930/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,871
−HK$1,295/mo
Today · 4.125%
HK$50,166
baseline
▲ 0.50% · 4.625%
HK$52,811
+HK$2,645/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,332/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,913
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,465
−HK$1,578/mo
Today · 4.125%
HK$53,043
baseline
▲ 0.50% · 4.625%
HK$56,270
+HK$3,227/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,086/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,528
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,017
−HK$1,511/mo
Today · 4.125%
HK$58,528
baseline
▲ 0.50% · 4.625%
HK$61,613
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,056/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,174
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,170
−HK$2,028/mo
Today · 4.125%
HK$68,198
baseline
▲ 0.50% · 4.625%
HK$72,348
+HK$4,150/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,396/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,393
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,307
−HK$1,943/mo
Today · 4.125%
HK$75,250
baseline
▲ 0.50% · 4.625%
HK$79,216
+HK$3,966/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,500/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,316 · Scale 2, in force from 26 Feb 2026)