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$35,253
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,350
−HK$1,114/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,743
+HK$2,279/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,219
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$40,270
−HK$1,068/mo
Today · 4.125%
HK$41,338
baseline
▲ 0.50% · 4.625%
HK$43,516
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,676/mo (50% DSR)
Upfront cash ≈ HK$8.31M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,304
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,620
−HK$1,336/mo
Today · 4.125%
HK$44,956
baseline
▲ 0.50% · 4.625%
HK$47,692
+HK$2,736/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$89,912/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,280/mo
Today · 4.125%
HK$49,605
baseline
▲ 0.50% · 4.625%
HK$52,220
+HK$2,615/mo
Deposit HK$6.18M · loan HK$9.28M · min. income ≈ HK$99,210/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,354
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,889
−HK$1,560/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,641
+HK$3,192/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,906
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,494/mo
Today · 4.125%
HK$57,873
baseline
▲ 0.50% · 4.625%
HK$60,923
+HK$3,050/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,746/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,429
−HK$2,006/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$71,538
+HK$4,103/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,594
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,487
−HK$1,921/mo
Today · 4.125%
HK$74,408
baseline
▲ 0.50% · 4.625%
HK$78,330
+HK$3,922/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,816/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$579,755 · Scale 2, in force from 26 Feb 2026)