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$34,937
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$1,104/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,868
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,057/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,127
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,925
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,229
−HK$1,325/mo
Today · 4.125%
HK$44,554
baseline
▲ 0.50% · 4.625%
HK$47,265
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,108/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,892
−HK$1,269/mo
Today · 4.125%
HK$49,161
baseline
▲ 0.50% · 4.625%
HK$51,752
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,322/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,912
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,434
−HK$1,546/mo
Today · 4.125%
HK$51,980
baseline
▲ 0.50% · 4.625%
HK$55,143
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,960/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,415
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,874
−HK$1,480/mo
Today · 4.125%
HK$57,354
baseline
▲ 0.50% · 4.625%
HK$60,378
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,708/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,887
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,987/mo
Today · 4.125%
HK$66,831
baseline
▲ 0.50% · 4.625%
HK$70,898
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,662/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,962
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,838
−HK$1,903/mo
Today · 4.125%
HK$73,741
baseline
▲ 0.50% · 4.625%
HK$77,628
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,482/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,565 · Scale 2, in force from 26 Feb 2026)