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$35,581
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,687
−HK$1,125/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$40,112
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,077/mo
Today · 4.125%
HK$41,722
baseline
▲ 0.50% · 4.625%
HK$43,921
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,444/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,697
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,025
−HK$1,349/mo
Today · 4.125%
HK$45,374
baseline
▲ 0.50% · 4.625%
HK$48,135
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,748/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,500
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,773
−HK$1,293/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$52,705
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,813
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,362
−HK$1,574/mo
Today · 4.125%
HK$52,936
baseline
▲ 0.50% · 4.625%
HK$56,157
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,872/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,416
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,902
−HK$1,508/mo
Today · 4.125%
HK$58,410
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,820/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,045
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,037
−HK$2,024/mo
Today · 4.125%
HK$68,061
baseline
▲ 0.50% · 4.625%
HK$72,202
+HK$4,141/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,122/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,249
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,160
−HK$1,939/mo
Today · 4.125%
HK$75,099
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,198/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,141 · Scale 2, in force from 26 Feb 2026)