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$35,131
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,224
−HK$1,110/mo
Today · 4.125%
HK$37,334
baseline
▲ 0.50% · 4.625%
HK$39,606
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,668/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,083
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,064/mo
Today · 4.125%
HK$41,195
baseline
▲ 0.50% · 4.625%
HK$43,366
+HK$2,171/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,390/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,158
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,469
−HK$1,332/mo
Today · 4.125%
HK$44,801
baseline
▲ 0.50% · 4.625%
HK$47,527
+HK$2,726/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$89,602/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,900
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,158
−HK$1,276/mo
Today · 4.125%
HK$49,434
baseline
▲ 0.50% · 4.625%
HK$52,039
+HK$2,605/mo
Deposit HK$6.16M · loan HK$9.24M · min. income ≈ HK$98,868/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,184
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,714
−HK$1,554/mo
Today · 4.125%
HK$52,268
baseline
▲ 0.50% · 4.625%
HK$55,448
+HK$3,180/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$104,536/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,716
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,184
−HK$1,489/mo
Today · 4.125%
HK$57,673
baseline
▲ 0.50% · 4.625%
HK$60,713
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.78M · min. income ≈ HK$115,346/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,236
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,203
−HK$1,999/mo
Today · 4.125%
HK$67,202
baseline
▲ 0.50% · 4.625%
HK$71,291
+HK$4,089/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,404/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,350
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,236
−HK$1,915/mo
Today · 4.125%
HK$74,151
baseline
▲ 0.50% · 4.625%
HK$78,059
+HK$3,908/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,302/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,752 · Scale 2, in force from 26 Feb 2026)