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$35,176
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,270
−HK$1,112/mo
Today · 4.125%
HK$37,382
baseline
▲ 0.50% · 4.625%
HK$39,656
+HK$2,274/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,764/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,133
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,182
−HK$1,065/mo
Today · 4.125%
HK$41,247
baseline
▲ 0.50% · 4.625%
HK$43,421
+HK$2,174/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,494/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,211
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,334/mo
Today · 4.125%
HK$44,858
baseline
▲ 0.50% · 4.625%
HK$47,588
+HK$2,730/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$89,716/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,960
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,219
−HK$1,278/mo
Today · 4.125%
HK$49,497
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,609/mo
Deposit HK$6.17M · loan HK$9.26M · min. income ≈ HK$98,994/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,246
−HK$3,089/mo
▼ 0.25% · 3.875%
HK$50,778
−HK$1,557/mo
Today · 4.125%
HK$52,335
baseline
▲ 0.50% · 4.625%
HK$55,519
+HK$3,184/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$104,670/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,786
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$56,255
−HK$1,491/mo
Today · 4.125%
HK$57,746
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,044/mo
Deposit HK$4.63M · loan HK$10.80M · min. income ≈ HK$115,492/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,286
−HK$2,001/mo
Today · 4.125%
HK$67,287
baseline
▲ 0.50% · 4.625%
HK$71,382
+HK$4,095/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$134,574/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,439
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,328
−HK$1,917/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,159
+HK$3,914/mo
Deposit HK$1.54M · loan HK$13.88M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,488 · Scale 2, in force from 26 Feb 2026)