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$35,565
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$1,124/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$40,095
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,627
−HK$1,077/mo
Today · 4.125%
HK$41,704
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,408/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,678
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,006
−HK$1,349/mo
Today · 4.125%
HK$45,355
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,710/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,479
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,292/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$52,682
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,792
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,340
−HK$1,574/mo
Today · 4.125%
HK$52,914
baseline
▲ 0.50% · 4.625%
HK$56,134
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,828/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,393
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,878
−HK$1,507/mo
Today · 4.125%
HK$58,385
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,770/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,018
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,009
−HK$2,023/mo
Today · 4.125%
HK$68,032
baseline
▲ 0.50% · 4.625%
HK$72,172
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,064/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,219
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,129
−HK$1,938/mo
Today · 4.125%
HK$75,067
baseline
▲ 0.50% · 4.625%
HK$79,024
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,134/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,892 · Scale 2, in force from 26 Feb 2026)