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$35,355
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,455
−HK$1,118/mo
Today · 4.125%
HK$37,573
baseline
▲ 0.50% · 4.625%
HK$39,859
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,146/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,333
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,388
−HK$1,070/mo
Today · 4.125%
HK$41,458
baseline
▲ 0.50% · 4.625%
HK$43,643
+HK$2,185/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,916/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,427
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,746
−HK$1,341/mo
Today · 4.125%
HK$45,087
baseline
▲ 0.50% · 4.625%
HK$47,831
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,174/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,199
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,465
−HK$1,284/mo
Today · 4.125%
HK$49,749
baseline
▲ 0.50% · 4.625%
HK$52,372
+HK$2,623/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,498/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,498
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,037
−HK$1,565/mo
Today · 4.125%
HK$52,602
baseline
▲ 0.50% · 4.625%
HK$55,802
+HK$3,200/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,204/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,066
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,543
−HK$1,498/mo
Today · 4.125%
HK$58,041
baseline
▲ 0.50% · 4.625%
HK$61,100
+HK$3,059/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,082/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,640
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,619
−HK$2,012/mo
Today · 4.125%
HK$67,631
baseline
▲ 0.50% · 4.625%
HK$71,746
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$135,262/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,799
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,698
−HK$1,926/mo
Today · 4.125%
HK$74,624
baseline
▲ 0.50% · 4.625%
HK$78,557
+HK$3,933/mo
Deposit HK$1.55M · loan HK$13.95M · min. income ≈ HK$149,248/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,440 · Scale 2, in force from 26 Feb 2026)