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$35,007
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$1,106/mo
Today · 4.125%
HK$37,202
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$2,264/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,404/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,945
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,989
−HK$1,060/mo
Today · 4.125%
HK$41,049
baseline
▲ 0.50% · 4.625%
HK$43,213
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,098/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,008
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,315
−HK$1,328/mo
Today · 4.125%
HK$44,643
baseline
▲ 0.50% · 4.625%
HK$47,359
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,286/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,734
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,987
−HK$1,272/mo
Today · 4.125%
HK$49,259
baseline
▲ 0.50% · 4.625%
HK$51,855
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,518/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,010
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,549/mo
Today · 4.125%
HK$52,083
baseline
▲ 0.50% · 4.625%
HK$55,252
+HK$3,169/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,166/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,523
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,985
−HK$1,484/mo
Today · 4.125%
HK$57,469
baseline
▲ 0.50% · 4.625%
HK$60,498
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,938/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,013
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,973
−HK$1,991/mo
Today · 4.125%
HK$66,964
baseline
▲ 0.50% · 4.625%
HK$71,039
+HK$4,075/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,928/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,101
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,981
−HK$1,907/mo
Today · 4.125%
HK$73,888
baseline
▲ 0.50% · 4.625%
HK$77,783
+HK$3,895/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,776/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,709 · Scale 2, in force from 26 Feb 2026)