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$35,576
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$1,124/mo
Today · 4.125%
HK$37,807
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,614/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,578
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,077/mo
Today · 4.125%
HK$41,716
baseline
▲ 0.50% · 4.625%
HK$43,915
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,432/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,691
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,019
−HK$1,349/mo
Today · 4.125%
HK$45,368
baseline
▲ 0.50% · 4.625%
HK$48,129
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,736/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,493
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,767
−HK$1,292/mo
Today · 4.125%
HK$50,059
baseline
▲ 0.50% · 4.625%
HK$52,698
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,118/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,806
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,356
−HK$1,574/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$56,150
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,409
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,895
−HK$1,508/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,481
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,029
−HK$2,023/mo
Today · 4.125%
HK$68,052
baseline
▲ 0.50% · 4.625%
HK$72,193
+HK$4,141/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,104/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,240
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,151
−HK$1,938/mo
Today · 4.125%
HK$75,089
baseline
▲ 0.50% · 4.625%
HK$79,047
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,178/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,066 · Scale 2, in force from 26 Feb 2026)