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$34,916
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$1,103/mo
Today · 4.125%
HK$37,106
baseline
▲ 0.50% · 4.625%
HK$39,364
+HK$2,258/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,212/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,844
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,886
−HK$1,057/mo
Today · 4.125%
HK$40,943
baseline
▲ 0.50% · 4.625%
HK$43,101
+HK$2,158/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,886/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,900
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,203
−HK$1,324/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$47,237
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,613
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,863
−HK$1,268/mo
Today · 4.125%
HK$49,131
baseline
▲ 0.50% · 4.625%
HK$51,721
+HK$2,590/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,262/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,883
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,404
−HK$1,544/mo
Today · 4.125%
HK$51,948
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$3,161/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$103,896/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,382
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,840
−HK$1,480/mo
Today · 4.125%
HK$57,320
baseline
▲ 0.50% · 4.625%
HK$60,341
+HK$3,021/mo
Deposit HK$4.59M · loan HK$10.72M · min. income ≈ HK$114,640/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,850
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,805
−HK$1,986/mo
Today · 4.125%
HK$66,791
baseline
▲ 0.50% · 4.625%
HK$70,855
+HK$4,064/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,582/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,920
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,795
−HK$1,902/mo
Today · 4.125%
HK$73,697
baseline
▲ 0.50% · 4.625%
HK$77,582
+HK$3,885/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,394/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,220 · Scale 2, in force from 26 Feb 2026)