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$35,683
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$1,128/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,307/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,762
−HK$1,080/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,048
+HK$2,206/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,820
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,152
−HK$1,353/mo
Today · 4.125%
HK$45,505
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,769/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,010/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,637
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,914
−HK$1,296/mo
Today · 4.125%
HK$50,210
baseline
▲ 0.50% · 4.625%
HK$52,857
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,420/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,957
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,511
−HK$1,578/mo
Today · 4.125%
HK$53,089
baseline
▲ 0.50% · 4.625%
HK$56,320
+HK$3,231/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,178/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,576
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,067
−HK$1,512/mo
Today · 4.125%
HK$58,579
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,088/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,158/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,230
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,228
−HK$2,030/mo
Today · 4.125%
HK$68,258
baseline
▲ 0.50% · 4.625%
HK$72,411
+HK$4,153/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,516/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,455
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,372
−HK$1,944/mo
Today · 4.125%
HK$75,316
baseline
▲ 0.50% · 4.625%
HK$79,286
+HK$3,970/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,632/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,831 · Scale 2, in force from 26 Feb 2026)