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$35,657
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,767
−HK$1,127/mo
Today · 4.125%
HK$37,894
baseline
▲ 0.50% · 4.625%
HK$40,199
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,788/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,669
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,732
−HK$1,080/mo
Today · 4.125%
HK$41,812
baseline
▲ 0.50% · 4.625%
HK$44,016
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,624/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,352/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$48,239
+HK$2,767/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,602
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,879
−HK$1,295/mo
Today · 4.125%
HK$50,174
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$2,645/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,348/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,920
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$51,473
−HK$1,578/mo
Today · 4.125%
HK$53,051
baseline
▲ 0.50% · 4.625%
HK$56,279
+HK$3,228/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,102/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,536
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$57,025
−HK$1,511/mo
Today · 4.125%
HK$58,536
baseline
▲ 0.50% · 4.625%
HK$61,622
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,072/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,183
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,180
−HK$2,028/mo
Today · 4.125%
HK$68,208
baseline
▲ 0.50% · 4.625%
HK$72,359
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,416/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,403
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,318
−HK$1,943/mo
Today · 4.125%
HK$75,261
baseline
▲ 0.50% · 4.625%
HK$79,228
+HK$3,967/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,522/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,406 · Scale 2, in force from 26 Feb 2026)