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$35,032
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$1,107/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,494
+HK$2,265/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,973
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,018
−HK$1,060/mo
Today · 4.125%
HK$41,078
baseline
▲ 0.50% · 4.625%
HK$43,244
+HK$2,166/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,156/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,038
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,346
−HK$1,329/mo
Today · 4.125%
HK$44,675
baseline
▲ 0.50% · 4.625%
HK$47,393
+HK$2,718/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,350/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,022
−HK$1,272/mo
Today · 4.125%
HK$49,294
baseline
▲ 0.50% · 4.625%
HK$51,892
+HK$2,598/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,588/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,045
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,570
−HK$1,550/mo
Today · 4.125%
HK$52,120
baseline
▲ 0.50% · 4.625%
HK$55,292
+HK$3,172/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,240/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,562
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,025
−HK$1,485/mo
Today · 4.125%
HK$57,510
baseline
▲ 0.50% · 4.625%
HK$60,541
+HK$3,031/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$115,020/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,058
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,019
−HK$1,993/mo
Today · 4.125%
HK$67,012
baseline
▲ 0.50% · 4.625%
HK$71,089
+HK$4,077/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,024/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,151
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,032
−HK$1,909/mo
Today · 4.125%
HK$73,941
baseline
▲ 0.50% · 4.625%
HK$77,839
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,882/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,120 · Scale 2, in force from 26 Feb 2026)