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$34,974
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,062
−HK$1,105/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,429
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,908
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,952
−HK$1,058/mo
Today · 4.125%
HK$41,010
baseline
▲ 0.50% · 4.625%
HK$43,172
+HK$2,162/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,020/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,969
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,327/mo
Today · 4.125%
HK$44,601
baseline
▲ 0.50% · 4.625%
HK$47,314
+HK$2,713/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$89,202/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,690
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,942
−HK$1,270/mo
Today · 4.125%
HK$49,212
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,594/mo
Deposit HK$6.14M · loan HK$9.20M · min. income ≈ HK$98,424/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,964
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,487
−HK$1,547/mo
Today · 4.125%
HK$52,034
baseline
▲ 0.50% · 4.625%
HK$55,200
+HK$3,166/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,068/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,471
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,932
−HK$1,482/mo
Today · 4.125%
HK$57,414
baseline
▲ 0.50% · 4.625%
HK$60,441
+HK$3,027/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,828/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,953
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,911
−HK$1,990/mo
Today · 4.125%
HK$66,901
baseline
▲ 0.50% · 4.625%
HK$70,972
+HK$4,071/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,802/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,035
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,913
−HK$1,905/mo
Today · 4.125%
HK$73,818
baseline
▲ 0.50% · 4.625%
HK$77,710
+HK$3,892/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,636/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,165 · Scale 2, in force from 26 Feb 2026)