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$35,611
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$1,125/mo
Today · 4.125%
HK$37,844
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,303/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,688/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,617
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,680
−HK$1,078/mo
Today · 4.125%
HK$41,758
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,201/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,516/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,063
−HK$1,350/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$48,177
+HK$2,764/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,541
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,816
−HK$1,293/mo
Today · 4.125%
HK$50,109
baseline
▲ 0.50% · 4.625%
HK$52,750
+HK$2,641/mo
Deposit HK$6.25M · loan HK$9.37M · min. income ≈ HK$100,218/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,856
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,407
−HK$1,575/mo
Today · 4.125%
HK$52,982
baseline
▲ 0.50% · 4.625%
HK$56,206
+HK$3,224/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$105,964/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,464
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,509/mo
Today · 4.125%
HK$58,461
baseline
▲ 0.50% · 4.625%
HK$61,542
+HK$3,081/mo
Deposit HK$4.69M · loan HK$10.93M · min. income ≈ HK$116,922/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,100
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,094
−HK$2,026/mo
Today · 4.125%
HK$68,120
baseline
▲ 0.50% · 4.625%
HK$72,265
+HK$4,145/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$136,240/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,311
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,223
−HK$1,941/mo
Today · 4.125%
HK$75,164
baseline
▲ 0.50% · 4.625%
HK$79,126
+HK$3,962/mo
Deposit HK$1.56M · loan HK$14.06M · min. income ≈ HK$150,328/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,646 · Scale 2, in force from 26 Feb 2026)