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$35,209
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,304
−HK$1,113/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,694
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,170
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,066/mo
Today · 4.125%
HK$41,286
baseline
▲ 0.50% · 4.625%
HK$43,462
+HK$2,176/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,572/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,251
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,565
−HK$1,336/mo
Today · 4.125%
HK$44,901
baseline
▲ 0.50% · 4.625%
HK$47,633
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,802/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,004
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,265
−HK$1,278/mo
Today · 4.125%
HK$49,543
baseline
▲ 0.50% · 4.625%
HK$52,155
+HK$2,612/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,086/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,293
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,826
−HK$1,558/mo
Today · 4.125%
HK$52,384
baseline
▲ 0.50% · 4.625%
HK$55,572
+HK$3,188/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,768/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,838
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,309
−HK$1,492/mo
Today · 4.125%
HK$57,801
baseline
▲ 0.50% · 4.625%
HK$60,847
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,602/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,377
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,348
−HK$2,003/mo
Today · 4.125%
HK$67,351
baseline
▲ 0.50% · 4.625%
HK$71,449
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$134,702/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,506
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,397
−HK$1,918/mo
Today · 4.125%
HK$74,315
baseline
▲ 0.50% · 4.625%
HK$78,232
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.90M · min. income ≈ HK$148,630/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,035 · Scale 2, in force from 26 Feb 2026)