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$35,099
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$36,191
−HK$1,109/mo
Today · 4.125%
HK$37,300
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$2,270/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,600/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,047
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,062/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,326
+HK$2,169/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,429
−HK$1,331/mo
Today · 4.125%
HK$44,760
baseline
▲ 0.50% · 4.625%
HK$47,484
+HK$2,724/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,520/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,857
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,274/mo
Today · 4.125%
HK$49,388
baseline
▲ 0.50% · 4.625%
HK$51,992
+HK$2,604/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,776/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,139
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,667
−HK$1,553/mo
Today · 4.125%
HK$52,220
baseline
▲ 0.50% · 4.625%
HK$55,398
+HK$3,178/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$104,440/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,666
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,132
−HK$1,488/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$60,657
+HK$3,037/mo
Deposit HK$4.62M · loan HK$10.77M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,178
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,144
−HK$1,996/mo
Today · 4.125%
HK$67,140
baseline
▲ 0.50% · 4.625%
HK$71,226
+HK$4,086/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$134,280/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,285
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,170
−HK$1,913/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$77,988
+HK$3,905/mo
Deposit HK$1.54M · loan HK$13.85M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,223 · Scale 2, in force from 26 Feb 2026)