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$35,075
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$1,108/mo
Today · 4.125%
HK$37,274
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$2,268/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$74,548/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,062/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,297
+HK$2,168/mo
Deposit HK$7.69M · loan HK$7.69M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,090
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,399
−HK$1,330/mo
Today · 4.125%
HK$44,729
baseline
▲ 0.50% · 4.625%
HK$47,451
+HK$2,722/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$89,458/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,824
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,080
−HK$1,274/mo
Today · 4.125%
HK$49,354
baseline
▲ 0.50% · 4.625%
HK$51,956
+HK$2,602/mo
Deposit HK$6.15M · loan HK$9.23M · min. income ≈ HK$98,708/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,105
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,632
−HK$1,552/mo
Today · 4.125%
HK$52,184
baseline
▲ 0.50% · 4.625%
HK$55,359
+HK$3,175/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$104,368/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,629
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,094
−HK$1,486/mo
Today · 4.125%
HK$57,580
baseline
▲ 0.50% · 4.625%
HK$60,615
+HK$3,035/mo
Deposit HK$4.61M · loan HK$10.77M · min. income ≈ HK$115,160/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,135
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,099
−HK$1,995/mo
Today · 4.125%
HK$67,094
baseline
▲ 0.50% · 4.625%
HK$71,176
+HK$4,082/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$134,188/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,237
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,120
−HK$1,911/mo
Today · 4.125%
HK$74,031
baseline
▲ 0.50% · 4.625%
HK$77,934
+HK$3,903/mo
Deposit HK$1.54M · loan HK$13.84M · min. income ≈ HK$148,062/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$576,824 · Scale 2, in force from 26 Feb 2026)