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$34,946
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$1,105/mo
Today · 4.125%
HK$37,138
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,276/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,920
−HK$1,058/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,138
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,936
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,240
−HK$1,325/mo
Today · 4.125%
HK$44,565
baseline
▲ 0.50% · 4.625%
HK$47,277
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,130/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,653
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,904
−HK$1,269/mo
Today · 4.125%
HK$49,173
baseline
▲ 0.50% · 4.625%
HK$51,765
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,346/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,546/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$55,156
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,428
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,481/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,393
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,903
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,860
−HK$1,988/mo
Today · 4.125%
HK$66,848
baseline
▲ 0.50% · 4.625%
HK$70,915
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,696/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,979
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,856
−HK$1,904/mo
Today · 4.125%
HK$73,760
baseline
▲ 0.50% · 4.625%
HK$77,648
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,520/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,710 · Scale 2, in force from 26 Feb 2026)