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$35,477
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$1,121/mo
Today · 4.125%
HK$37,702
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,294/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,404/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,468
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,527
−HK$1,074/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$43,794
+HK$2,193/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$8.36M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,573
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$43,897
−HK$1,346/mo
Today · 4.125%
HK$45,243
baseline
▲ 0.50% · 4.625%
HK$47,996
+HK$2,753/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$90,486/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,362
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,632
−HK$1,289/mo
Today · 4.125%
HK$49,921
baseline
▲ 0.50% · 4.625%
HK$52,552
+HK$2,631/mo
Deposit HK$6.22M · loan HK$9.34M · min. income ≈ HK$99,842/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,668
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,213
−HK$1,570/mo
Today · 4.125%
HK$52,783
baseline
▲ 0.50% · 4.625%
HK$55,995
+HK$3,212/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$105,566/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,256
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,738
−HK$1,503/mo
Today · 4.125%
HK$58,241
baseline
▲ 0.50% · 4.625%
HK$61,311
+HK$3,070/mo
Deposit HK$4.67M · loan HK$10.89M · min. income ≈ HK$116,482/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,859
−HK$4,005/mo
▼ 0.25% · 3.875%
HK$65,846
−HK$2,018/mo
Today · 4.125%
HK$67,864
baseline
▲ 0.50% · 4.625%
HK$71,993
+HK$4,129/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$135,728/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,043
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$72,948
−HK$1,933/mo
Today · 4.125%
HK$74,881
baseline
▲ 0.50% · 4.625%
HK$78,828
+HK$3,947/mo
Deposit HK$1.56M · loan HK$14.00M · min. income ≈ HK$149,762/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,446 · Scale 2, in force from 26 Feb 2026)