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$35,003
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$1,106/mo
Today · 4.125%
HK$37,198
baseline
▲ 0.50% · 4.625%
HK$39,461
+HK$2,263/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,396/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,940
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,985
−HK$1,059/mo
Today · 4.125%
HK$41,044
baseline
▲ 0.50% · 4.625%
HK$43,208
+HK$2,164/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,088/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,003
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,310
−HK$1,327/mo
Today · 4.125%
HK$44,637
baseline
▲ 0.50% · 4.625%
HK$47,353
+HK$2,716/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$89,274/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,728
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,982
−HK$1,271/mo
Today · 4.125%
HK$49,253
baseline
▲ 0.50% · 4.625%
HK$51,849
+HK$2,596/mo
Deposit HK$6.14M · loan HK$9.21M · min. income ≈ HK$98,506/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,004
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,528
−HK$1,549/mo
Today · 4.125%
HK$52,077
baseline
▲ 0.50% · 4.625%
HK$55,246
+HK$3,169/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$104,154/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,516
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,979
−HK$1,483/mo
Today · 4.125%
HK$57,462
baseline
▲ 0.50% · 4.625%
HK$60,491
+HK$3,029/mo
Deposit HK$4.61M · loan HK$10.75M · min. income ≈ HK$114,924/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,005
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,991/mo
Today · 4.125%
HK$66,956
baseline
▲ 0.50% · 4.625%
HK$71,030
+HK$4,074/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$133,912/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,972
−HK$1,907/mo
Today · 4.125%
HK$73,879
baseline
▲ 0.50% · 4.625%
HK$77,774
+HK$3,895/mo
Deposit HK$1.54M · loan HK$13.82M · min. income ≈ HK$147,758/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,641 · Scale 2, in force from 26 Feb 2026)