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$34,998
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$1,106/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,456
+HK$2,263/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,935
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,060/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,202
+HK$2,163/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,998
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,327/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,271/mo
Today · 4.125%
HK$49,246
baseline
▲ 0.50% · 4.625%
HK$51,842
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,492/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,521
−HK$1,549/mo
Today · 4.125%
HK$52,070
baseline
▲ 0.50% · 4.625%
HK$55,238
+HK$3,168/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$104,140/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,509
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,971
−HK$1,483/mo
Today · 4.125%
HK$57,454
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,028/mo
Deposit HK$4.60M · loan HK$10.74M · min. income ≈ HK$114,908/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,997
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,956
−HK$1,991/mo
Today · 4.125%
HK$66,947
baseline
▲ 0.50% · 4.625%
HK$71,021
+HK$4,074/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$133,894/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,083
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,963
−HK$1,906/mo
Today · 4.125%
HK$73,869
baseline
▲ 0.50% · 4.625%
HK$77,763
+HK$3,894/mo
Deposit HK$1.53M · loan HK$13.81M · min. income ≈ HK$147,738/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,563 · Scale 2, in force from 26 Feb 2026)