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$35,668
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$1,127/mo
Today · 4.125%
HK$37,905
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,306/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,810/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,680
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,079/mo
Today · 4.125%
HK$41,824
baseline
▲ 0.50% · 4.625%
HK$44,029
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,648/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,802
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,353/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$48,254
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,617
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,295/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$2,646/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,935
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,489
−HK$1,578/mo
Today · 4.125%
HK$53,067
baseline
▲ 0.50% · 4.625%
HK$56,296
+HK$3,229/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,134/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,553
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$57,043
−HK$1,511/mo
Today · 4.125%
HK$58,554
baseline
▲ 0.50% · 4.625%
HK$61,640
+HK$3,086/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,108/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,203
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,200
−HK$2,029/mo
Today · 4.125%
HK$68,229
baseline
▲ 0.50% · 4.625%
HK$72,380
+HK$4,151/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,458/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,425
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,340
−HK$1,944/mo
Today · 4.125%
HK$75,284
baseline
▲ 0.50% · 4.625%
HK$79,252
+HK$3,968/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,568/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,582 · Scale 2, in force from 26 Feb 2026)