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$35,231
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$1,113/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,719
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,067/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,489
+HK$2,177/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,592
−HK$1,336/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,662
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,033
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,294
−HK$1,280/mo
Today · 4.125%
HK$49,574
baseline
▲ 0.50% · 4.625%
HK$52,187
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,148/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,324
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,858
−HK$1,559/mo
Today · 4.125%
HK$52,417
baseline
▲ 0.50% · 4.625%
HK$55,606
+HK$3,189/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,834/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,872
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,344
−HK$1,492/mo
Today · 4.125%
HK$57,836
baseline
▲ 0.50% · 4.625%
HK$60,885
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,672/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,416
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,389
−HK$2,004/mo
Today · 4.125%
HK$67,393
baseline
▲ 0.50% · 4.625%
HK$71,493
+HK$4,100/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,786/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,550
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$1,919/mo
Today · 4.125%
HK$74,361
baseline
▲ 0.50% · 4.625%
HK$78,281
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,722/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,394 · Scale 2, in force from 26 Feb 2026)