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$35,469
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$1,121/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,987
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,459
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,074/mo
Today · 4.125%
HK$41,591
baseline
▲ 0.50% · 4.625%
HK$43,783
+HK$2,192/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,182/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,563
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,887
−HK$1,345/mo
Today · 4.125%
HK$45,232
baseline
▲ 0.50% · 4.625%
HK$47,984
+HK$2,752/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$90,464/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,351
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,620
−HK$1,289/mo
Today · 4.125%
HK$49,909
baseline
▲ 0.50% · 4.625%
HK$52,540
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.33M · min. income ≈ HK$99,818/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,569/mo
Today · 4.125%
HK$52,770
baseline
▲ 0.50% · 4.625%
HK$55,981
+HK$3,211/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,540/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,242
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,724
−HK$1,503/mo
Today · 4.125%
HK$58,227
baseline
▲ 0.50% · 4.625%
HK$61,296
+HK$3,069/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,454/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,844
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$65,830
−HK$2,018/mo
Today · 4.125%
HK$67,848
baseline
▲ 0.50% · 4.625%
HK$71,976
+HK$4,128/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,696/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,026
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$72,931
−HK$1,932/mo
Today · 4.125%
HK$74,863
baseline
▲ 0.50% · 4.625%
HK$78,809
+HK$3,946/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,726/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,305 · Scale 2, in force from 26 Feb 2026)