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$35,546
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$1,124/mo
Today · 4.125%
HK$37,776
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,298/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$75,552/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,606
−HK$1,076/mo
Today · 4.125%
HK$41,682
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,197/mo
Deposit HK$7.79M · loan HK$7.79M · min. income ≈ HK$83,364/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,656
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,983
−HK$1,348/mo
Today · 4.125%
HK$45,331
baseline
▲ 0.50% · 4.625%
HK$48,089
+HK$2,758/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,662/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,454
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,727
−HK$1,291/mo
Today · 4.125%
HK$50,018
baseline
▲ 0.50% · 4.625%
HK$52,654
+HK$2,636/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,036/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,765
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,313
−HK$1,573/mo
Today · 4.125%
HK$52,886
baseline
▲ 0.50% · 4.625%
HK$56,104
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,772/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,363
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,848
−HK$1,506/mo
Today · 4.125%
HK$58,354
baseline
▲ 0.50% · 4.625%
HK$61,430
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,708/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,984
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,974
−HK$2,022/mo
Today · 4.125%
HK$67,996
baseline
▲ 0.50% · 4.625%
HK$72,133
+HK$4,137/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$135,992/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,181
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,090
−HK$1,937/mo
Today · 4.125%
HK$75,027
baseline
▲ 0.50% · 4.625%
HK$78,982
+HK$3,955/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,054/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,580 · Scale 2, in force from 26 Feb 2026)