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$35,701
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$1,128/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$40,249
+HK$2,309/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,717
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,080/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,207/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,842
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,354/mo
Today · 4.125%
HK$45,528
baseline
▲ 0.50% · 4.625%
HK$48,299
+HK$2,771/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,056/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,661
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,939
−HK$1,297/mo
Today · 4.125%
HK$50,236
baseline
▲ 0.50% · 4.625%
HK$52,884
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,472/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,982
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,579/mo
Today · 4.125%
HK$53,116
baseline
▲ 0.50% · 4.625%
HK$56,348
+HK$3,232/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,232/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,604
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,513/mo
Today · 4.125%
HK$58,609
baseline
▲ 0.50% · 4.625%
HK$61,698
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,218/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,263
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,261
−HK$2,031/mo
Today · 4.125%
HK$68,292
baseline
▲ 0.50% · 4.625%
HK$72,448
+HK$4,156/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,584/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,491
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$1,945/mo
Today · 4.125%
HK$75,354
baseline
▲ 0.50% · 4.625%
HK$79,326
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,708/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$587,129 · Scale 2, in force from 26 Feb 2026)