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$35,563
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$1,124/mo
Today · 4.125%
HK$37,793
baseline
▲ 0.50% · 4.625%
HK$40,093
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,586/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,564
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,625
−HK$1,076/mo
Today · 4.125%
HK$41,701
baseline
▲ 0.50% · 4.625%
HK$43,899
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,402/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,676
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,003
−HK$1,349/mo
Today · 4.125%
HK$45,352
baseline
▲ 0.50% · 4.625%
HK$48,112
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,704/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,476
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,750
−HK$1,291/mo
Today · 4.125%
HK$50,041
baseline
▲ 0.50% · 4.625%
HK$52,679
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,082/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,788
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,337
−HK$1,574/mo
Today · 4.125%
HK$52,911
baseline
▲ 0.50% · 4.625%
HK$56,130
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,822/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,389
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,875
−HK$1,507/mo
Today · 4.125%
HK$58,382
baseline
▲ 0.50% · 4.625%
HK$61,459
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,764/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,014
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,005
−HK$2,023/mo
Today · 4.125%
HK$68,028
baseline
▲ 0.50% · 4.625%
HK$72,167
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,056/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,215
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,125
−HK$1,937/mo
Today · 4.125%
HK$75,062
baseline
▲ 0.50% · 4.625%
HK$79,019
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,124/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,855 · Scale 2, in force from 26 Feb 2026)