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$35,616
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,724
−HK$1,125/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$40,152
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,622
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,078/mo
Today · 4.125%
HK$41,763
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,526/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,739
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,068
−HK$1,351/mo
Today · 4.125%
HK$45,419
baseline
▲ 0.50% · 4.625%
HK$48,183
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,838/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,546
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,822
−HK$1,293/mo
Today · 4.125%
HK$50,115
baseline
▲ 0.50% · 4.625%
HK$52,757
+HK$2,642/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,230/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,862
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,413
−HK$1,576/mo
Today · 4.125%
HK$52,989
baseline
▲ 0.50% · 4.625%
HK$56,213
+HK$3,224/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,978/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,471
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,959
−HK$1,509/mo
Today · 4.125%
HK$58,468
baseline
▲ 0.50% · 4.625%
HK$61,550
+HK$3,082/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,936/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,108
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,102
−HK$2,026/mo
Today · 4.125%
HK$68,128
baseline
▲ 0.50% · 4.625%
HK$72,274
+HK$4,146/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,256/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,320
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,232
−HK$1,941/mo
Today · 4.125%
HK$75,173
baseline
▲ 0.50% · 4.625%
HK$79,135
+HK$3,962/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,346/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,719 · Scale 2, in force from 26 Feb 2026)