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$35,137
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$1,110/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,612
+HK$2,272/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,089
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,063/mo
Today · 4.125%
HK$41,201
baseline
▲ 0.50% · 4.625%
HK$43,373
+HK$2,172/mo
Deposit HK$7.70M · loan HK$7.70M · min. income ≈ HK$82,402/mo (50% DSR)
Upfront cash ≈ HK$8.28M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,164
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,476
−HK$1,332/mo
Today · 4.125%
HK$44,808
baseline
▲ 0.50% · 4.625%
HK$47,535
+HK$2,727/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$89,616/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,907
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,165
−HK$1,276/mo
Today · 4.125%
HK$49,441
baseline
▲ 0.50% · 4.625%
HK$52,048
+HK$2,607/mo
Deposit HK$6.16M · loan HK$9.25M · min. income ≈ HK$98,882/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,192
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$50,722
−HK$1,554/mo
Today · 4.125%
HK$52,276
baseline
▲ 0.50% · 4.625%
HK$55,457
+HK$3,181/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$104,552/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,725
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$56,193
−HK$1,489/mo
Today · 4.125%
HK$57,682
baseline
▲ 0.50% · 4.625%
HK$60,722
+HK$3,040/mo
Deposit HK$4.62M · loan HK$10.79M · min. income ≈ HK$115,364/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,246
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,214
−HK$1,998/mo
Today · 4.125%
HK$67,212
baseline
▲ 0.50% · 4.625%
HK$71,302
+HK$4,090/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$134,424/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,361
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,248
−HK$1,914/mo
Today · 4.125%
HK$74,162
baseline
▲ 0.50% · 4.625%
HK$78,071
+HK$3,909/mo
Deposit HK$1.54M · loan HK$13.87M · min. income ≈ HK$148,324/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$577,843 · Scale 2, in force from 26 Feb 2026)