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$35,561
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$1,124/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,076/mo
Today · 4.125%
HK$41,698
baseline
▲ 0.50% · 4.625%
HK$43,896
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,396/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,673
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,000
−HK$1,349/mo
Today · 4.125%
HK$45,349
baseline
▲ 0.50% · 4.625%
HK$48,108
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,698/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,473
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,746
−HK$1,292/mo
Today · 4.125%
HK$50,038
baseline
▲ 0.50% · 4.625%
HK$52,676
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,076/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,573/mo
Today · 4.125%
HK$52,907
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,814/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,507/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,455
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,010
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$66,001
−HK$2,022/mo
Today · 4.125%
HK$68,023
baseline
▲ 0.50% · 4.625%
HK$72,163
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,046/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,210
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,120
−HK$1,937/mo
Today · 4.125%
HK$75,057
baseline
▲ 0.50% · 4.625%
HK$79,014
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,114/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,817 · Scale 2, in force from 26 Feb 2026)