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$35,693
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,803
−HK$1,128/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,308/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,708
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,081/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,060
+HK$2,206/mo
Deposit HK$7.83M · loan HK$7.83M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,832
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,164
−HK$1,354/mo
Today · 4.125%
HK$45,518
baseline
▲ 0.50% · 4.625%
HK$48,287
+HK$2,769/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,036/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,650
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,928
−HK$1,296/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$52,872
+HK$2,648/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,970
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,525
−HK$1,579/mo
Today · 4.125%
HK$53,104
baseline
▲ 0.50% · 4.625%
HK$56,335
+HK$3,231/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$106,208/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,592
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,083
−HK$1,512/mo
Today · 4.125%
HK$58,595
baseline
▲ 0.50% · 4.625%
HK$61,684
+HK$3,089/mo
Deposit HK$4.70M · loan HK$10.96M · min. income ≈ HK$117,190/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,248
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,246
−HK$2,031/mo
Today · 4.125%
HK$68,277
baseline
▲ 0.50% · 4.625%
HK$72,431
+HK$4,154/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$136,554/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,475
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,392
−HK$1,944/mo
Today · 4.125%
HK$75,336
baseline
▲ 0.50% · 4.625%
HK$79,308
+HK$3,972/mo
Deposit HK$1.57M · loan HK$14.09M · min. income ≈ HK$150,672/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,993 · Scale 2, in force from 26 Feb 2026)