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$35,500
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,604
−HK$1,122/mo
Today · 4.125%
HK$37,726
baseline
▲ 0.50% · 4.625%
HK$40,021
+HK$2,295/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,452/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,552
−HK$1,075/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$43,821
+HK$2,194/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,600
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,925
−HK$1,346/mo
Today · 4.125%
HK$45,271
baseline
▲ 0.50% · 4.625%
HK$48,026
+HK$2,755/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,542/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,392
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,663
−HK$1,289/mo
Today · 4.125%
HK$49,952
baseline
▲ 0.50% · 4.625%
HK$52,585
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,904/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$3,116/mo
▼ 0.25% · 3.875%
HK$51,245
−HK$1,571/mo
Today · 4.125%
HK$52,816
baseline
▲ 0.50% · 4.625%
HK$56,030
+HK$3,214/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,632/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,290
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,773
−HK$1,504/mo
Today · 4.125%
HK$58,277
baseline
▲ 0.50% · 4.625%
HK$61,349
+HK$3,072/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,554/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,899
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,887
−HK$2,019/mo
Today · 4.125%
HK$67,906
baseline
▲ 0.50% · 4.625%
HK$72,038
+HK$4,132/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,812/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,087
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,994
−HK$1,934/mo
Today · 4.125%
HK$74,928
baseline
▲ 0.50% · 4.625%
HK$78,878
+HK$3,950/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,856/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,811 · Scale 2, in force from 26 Feb 2026)