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$35,644
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,753
−HK$1,127/mo
Today · 4.125%
HK$37,880
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,305/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,760/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,654
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,078/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$44,000
+HK$2,204/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,773
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,104
−HK$1,352/mo
Today · 4.125%
HK$45,456
baseline
▲ 0.50% · 4.625%
HK$48,221
+HK$2,765/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$90,912/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,585
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,861
−HK$1,295/mo
Today · 4.125%
HK$50,156
baseline
▲ 0.50% · 4.625%
HK$52,800
+HK$2,644/mo
Deposit HK$6.25M · loan HK$9.38M · min. income ≈ HK$100,312/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,902
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$51,454
−HK$1,578/mo
Today · 4.125%
HK$53,032
baseline
▲ 0.50% · 4.625%
HK$56,258
+HK$3,226/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$106,064/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,516
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$57,005
−HK$1,510/mo
Today · 4.125%
HK$58,515
baseline
▲ 0.50% · 4.625%
HK$61,600
+HK$3,085/mo
Deposit HK$4.69M · loan HK$10.94M · min. income ≈ HK$117,030/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,160
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,156
−HK$2,027/mo
Today · 4.125%
HK$68,183
baseline
▲ 0.50% · 4.625%
HK$72,332
+HK$4,149/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$136,366/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,377
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,292
−HK$1,942/mo
Today · 4.125%
HK$75,234
baseline
▲ 0.50% · 4.625%
HK$79,199
+HK$3,965/mo
Deposit HK$1.56M · loan HK$14.07M · min. income ≈ HK$150,468/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,192 · Scale 2, in force from 26 Feb 2026)