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$34,991
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$1,106/mo
Today · 4.125%
HK$37,186
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$2,262/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,372/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,927
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,971
−HK$1,060/mo
Today · 4.125%
HK$41,031
baseline
▲ 0.50% · 4.625%
HK$43,193
+HK$2,162/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,062/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,990
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,296
−HK$1,327/mo
Today · 4.125%
HK$44,623
baseline
▲ 0.50% · 4.625%
HK$47,338
+HK$2,715/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,246/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,966
−HK$1,271/mo
Today · 4.125%
HK$49,237
baseline
▲ 0.50% · 4.625%
HK$51,832
+HK$2,595/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,474/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,512
−HK$1,548/mo
Today · 4.125%
HK$52,060
baseline
▲ 0.50% · 4.625%
HK$55,227
+HK$3,167/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,120/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,498
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,960
−HK$1,483/mo
Today · 4.125%
HK$57,443
baseline
▲ 0.50% · 4.625%
HK$60,471
+HK$3,028/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,886/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,984
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,943
−HK$1,991/mo
Today · 4.125%
HK$66,934
baseline
▲ 0.50% · 4.625%
HK$71,007
+HK$4,073/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,868/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,069
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,949
−HK$1,906/mo
Today · 4.125%
HK$73,855
baseline
▲ 0.50% · 4.625%
HK$77,748
+HK$3,893/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,710/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,450 · Scale 2, in force from 26 Feb 2026)