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$34,975
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$1,105/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,336/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,909
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,953
−HK$1,059/mo
Today · 4.125%
HK$41,012
baseline
▲ 0.50% · 4.625%
HK$43,173
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,024/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,970
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,326/mo
Today · 4.125%
HK$44,602
baseline
▲ 0.50% · 4.625%
HK$47,316
+HK$2,714/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$89,204/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,691
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,944
−HK$1,270/mo
Today · 4.125%
HK$49,214
baseline
▲ 0.50% · 4.625%
HK$51,808
+HK$2,594/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$98,428/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,965
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,548/mo
Today · 4.125%
HK$52,036
baseline
▲ 0.50% · 4.625%
HK$55,202
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,072/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,473
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,934
−HK$1,482/mo
Today · 4.125%
HK$57,416
baseline
▲ 0.50% · 4.625%
HK$60,443
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,832/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,955
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,913
−HK$1,990/mo
Today · 4.125%
HK$66,903
baseline
▲ 0.50% · 4.625%
HK$70,974
+HK$4,071/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,806/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,037
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,915
−HK$1,906/mo
Today · 4.125%
HK$73,821
baseline
▲ 0.50% · 4.625%
HK$77,712
+HK$3,891/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,642/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,183 · Scale 2, in force from 26 Feb 2026)