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$35,026
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$1,107/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,487
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,966
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,011
−HK$1,060/mo
Today · 4.125%
HK$41,071
baseline
▲ 0.50% · 4.625%
HK$43,236
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,142/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,031
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,339
−HK$1,328/mo
Today · 4.125%
HK$44,667
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,718/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$89,334/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,759
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,013
−HK$1,273/mo
Today · 4.125%
HK$49,286
baseline
▲ 0.50% · 4.625%
HK$51,884
+HK$2,598/mo
Deposit HK$6.14M · loan HK$9.22M · min. income ≈ HK$98,572/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,036
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,562
−HK$1,550/mo
Today · 4.125%
HK$52,112
baseline
▲ 0.50% · 4.625%
HK$55,282
+HK$3,170/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,224/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,553
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,016
−HK$1,484/mo
Today · 4.125%
HK$57,500
baseline
▲ 0.50% · 4.625%
HK$60,531
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,000/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,047
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,008
−HK$1,993/mo
Today · 4.125%
HK$67,001
baseline
▲ 0.50% · 4.625%
HK$71,077
+HK$4,076/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$134,002/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,139
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,020
−HK$1,908/mo
Today · 4.125%
HK$73,928
baseline
▲ 0.50% · 4.625%
HK$77,825
+HK$3,897/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,856/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,022 · Scale 2, in force from 26 Feb 2026)