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$35,403
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$1,119/mo
Today · 4.125%
HK$37,623
baseline
▲ 0.50% · 4.625%
HK$39,912
+HK$2,289/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$75,246/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,385
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,442
−HK$1,071/mo
Today · 4.125%
HK$41,513
baseline
▲ 0.50% · 4.625%
HK$43,701
+HK$2,188/mo
Deposit HK$7.76M · loan HK$7.76M · min. income ≈ HK$83,026/mo (50% DSR)
Upfront cash ≈ HK$8.35M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,483
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,805
−HK$1,342/mo
Today · 4.125%
HK$45,147
baseline
▲ 0.50% · 4.625%
HK$47,895
+HK$2,748/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$90,294/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,262
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,530
−HK$1,286/mo
Today · 4.125%
HK$49,816
baseline
▲ 0.50% · 4.625%
HK$52,442
+HK$2,626/mo
Deposit HK$6.21M · loan HK$9.32M · min. income ≈ HK$99,632/mo (50% DSR)
Upfront cash ≈ HK$6.79M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,564
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,566/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$3,205/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,618
−HK$1,500/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,182
+HK$3,064/mo
Deposit HK$4.66M · loan HK$10.87M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,725
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,707
−HK$2,014/mo
Today · 4.125%
HK$67,721
baseline
▲ 0.50% · 4.625%
HK$71,842
+HK$4,121/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$135,442/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,893
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,795
−HK$1,929/mo
Today · 4.125%
HK$74,724
baseline
▲ 0.50% · 4.625%
HK$78,662
+HK$3,938/mo
Deposit HK$1.55M · loan HK$13.97M · min. income ≈ HK$149,448/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$582,217 · Scale 2, in force from 26 Feb 2026)