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$34,952
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,039
−HK$1,105/mo
Today · 4.125%
HK$37,144
baseline
▲ 0.50% · 4.625%
HK$39,404
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,288/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,884
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,927
−HK$1,058/mo
Today · 4.125%
HK$40,985
baseline
▲ 0.50% · 4.625%
HK$43,145
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,970/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,943
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,247
−HK$1,326/mo
Today · 4.125%
HK$44,573
baseline
▲ 0.50% · 4.625%
HK$47,285
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,146/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,661
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,270/mo
Today · 4.125%
HK$49,182
baseline
▲ 0.50% · 4.625%
HK$51,774
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,364/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,933
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,455
−HK$1,546/mo
Today · 4.125%
HK$52,001
baseline
▲ 0.50% · 4.625%
HK$55,166
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,002/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,437
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,897
−HK$1,481/mo
Today · 4.125%
HK$57,378
baseline
▲ 0.50% · 4.625%
HK$60,403
+HK$3,025/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,756/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,914
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,871
−HK$1,988/mo
Today · 4.125%
HK$66,859
baseline
▲ 0.50% · 4.625%
HK$70,927
+HK$4,068/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,718/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,991
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,868
−HK$1,904/mo
Today · 4.125%
HK$73,772
baseline
▲ 0.50% · 4.625%
HK$77,661
+HK$3,889/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,544/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,806 · Scale 2, in force from 26 Feb 2026)