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$34,937
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$1,104/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,387
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,867
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,057/mo
Today · 4.125%
HK$40,967
baseline
▲ 0.50% · 4.625%
HK$43,126
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,934/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,925
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,229
−HK$1,325/mo
Today · 4.125%
HK$44,554
baseline
▲ 0.50% · 4.625%
HK$47,265
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,108/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,892
−HK$1,268/mo
Today · 4.125%
HK$49,160
baseline
▲ 0.50% · 4.625%
HK$51,752
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,320/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,912
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,433
−HK$1,546/mo
Today · 4.125%
HK$51,979
baseline
▲ 0.50% · 4.625%
HK$55,142
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,958/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,414
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,481/mo
Today · 4.125%
HK$57,354
baseline
▲ 0.50% · 4.625%
HK$60,377
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,708/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,887
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,843
−HK$1,987/mo
Today · 4.125%
HK$66,830
baseline
▲ 0.50% · 4.625%
HK$70,897
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,660/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,961
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,837
−HK$1,904/mo
Today · 4.125%
HK$73,741
baseline
▲ 0.50% · 4.625%
HK$77,628
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,482/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,559 · Scale 2, in force from 26 Feb 2026)