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$35,232
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$1,114/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$2,278/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,196
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,066/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,491
+HK$2,178/mo
Deposit HK$7.73M · loan HK$7.73M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,279
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,594
−HK$1,336/mo
Today · 4.125%
HK$44,930
baseline
▲ 0.50% · 4.625%
HK$47,664
+HK$2,734/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$89,860/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,035
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,296
−HK$1,280/mo
Today · 4.125%
HK$49,576
baseline
▲ 0.50% · 4.625%
HK$52,189
+HK$2,613/mo
Deposit HK$6.18M · loan HK$9.27M · min. income ≈ HK$99,152/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,325
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,860
−HK$1,558/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,608
+HK$3,190/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,874
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,346
−HK$1,492/mo
Today · 4.125%
HK$57,838
baseline
▲ 0.50% · 4.625%
HK$60,887
+HK$3,049/mo
Deposit HK$4.64M · loan HK$10.82M · min. income ≈ HK$115,676/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,418
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,391
−HK$2,004/mo
Today · 4.125%
HK$67,395
baseline
▲ 0.50% · 4.625%
HK$71,496
+HK$4,101/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$134,790/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,552
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,444
−HK$1,920/mo
Today · 4.125%
HK$74,364
baseline
▲ 0.50% · 4.625%
HK$78,284
+HK$3,920/mo
Deposit HK$1.55M · loan HK$13.91M · min. income ≈ HK$148,728/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$579,414 · Scale 2, in force from 26 Feb 2026)