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$35,239
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,335
−HK$1,113/mo
Today · 4.125%
HK$37,448
baseline
▲ 0.50% · 4.625%
HK$39,727
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,896/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,203
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,254
−HK$1,067/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,499
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,286
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,602
−HK$1,336/mo
Today · 4.125%
HK$44,938
baseline
▲ 0.50% · 4.625%
HK$47,672
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,876/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,043
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,305
−HK$1,280/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,198
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,334
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,869
−HK$1,559/mo
Today · 4.125%
HK$52,428
baseline
▲ 0.50% · 4.625%
HK$55,618
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,856/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,884
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,356
−HK$1,493/mo
Today · 4.125%
HK$57,849
baseline
▲ 0.50% · 4.625%
HK$60,898
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,698/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,429
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,402
−HK$2,005/mo
Today · 4.125%
HK$67,407
baseline
▲ 0.50% · 4.625%
HK$71,509
+HK$4,102/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,814/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,565
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,457
−HK$1,920/mo
Today · 4.125%
HK$74,377
baseline
▲ 0.50% · 4.625%
HK$78,297
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,754/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,517 · Scale 2, in force from 26 Feb 2026)