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$35,153
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,247
−HK$1,111/mo
Today · 4.125%
HK$37,358
baseline
▲ 0.50% · 4.625%
HK$39,631
+HK$2,273/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$74,716/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,108
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,064/mo
Today · 4.125%
HK$41,221
baseline
▲ 0.50% · 4.625%
HK$43,393
+HK$2,172/mo
Deposit HK$7.71M · loan HK$7.71M · min. income ≈ HK$82,442/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,496
−HK$1,333/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,557
+HK$2,728/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,929
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,188
−HK$1,277/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,072
+HK$2,607/mo
Deposit HK$6.17M · loan HK$9.25M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,215
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,746
−HK$1,555/mo
Today · 4.125%
HK$52,301
baseline
▲ 0.50% · 4.625%
HK$55,483
+HK$3,182/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,602/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,751
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,490/mo
Today · 4.125%
HK$57,709
baseline
▲ 0.50% · 4.625%
HK$60,751
+HK$3,042/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,418/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,276
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,244
−HK$2,000/mo
Today · 4.125%
HK$67,244
baseline
▲ 0.50% · 4.625%
HK$71,336
+HK$4,092/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,488/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,394
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,282
−HK$1,915/mo
Today · 4.125%
HK$74,197
baseline
▲ 0.50% · 4.625%
HK$78,108
+HK$3,911/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,394/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,116 · Scale 2, in force from 26 Feb 2026)