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$35,203
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$1,112/mo
Today · 4.125%
HK$37,410
baseline
▲ 0.50% · 4.625%
HK$39,687
+HK$2,277/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$74,820/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,163
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,213
−HK$1,066/mo
Today · 4.125%
HK$41,279
baseline
▲ 0.50% · 4.625%
HK$43,454
+HK$2,175/mo
Deposit HK$7.72M · loan HK$7.72M · min. income ≈ HK$82,558/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,243
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,557
−HK$1,335/mo
Today · 4.125%
HK$44,892
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,732/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$89,784/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,995
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,256
−HK$1,278/mo
Today · 4.125%
HK$49,534
baseline
▲ 0.50% · 4.625%
HK$52,145
+HK$2,611/mo
Deposit HK$6.18M · loan HK$9.26M · min. income ≈ HK$99,068/mo (50% DSR)
Upfront cash ≈ HK$6.75M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,284
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,817
−HK$1,557/mo
Today · 4.125%
HK$52,374
baseline
▲ 0.50% · 4.625%
HK$55,561
+HK$3,187/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$104,748/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,828
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,298
−HK$1,492/mo
Today · 4.125%
HK$57,790
baseline
▲ 0.50% · 4.625%
HK$60,836
+HK$3,046/mo
Deposit HK$4.63M · loan HK$10.81M · min. income ≈ HK$115,580/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,365
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,336
−HK$2,002/mo
Today · 4.125%
HK$67,338
baseline
▲ 0.50% · 4.625%
HK$71,436
+HK$4,098/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$134,676/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,493
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,383
−HK$1,918/mo
Today · 4.125%
HK$74,301
baseline
▲ 0.50% · 4.625%
HK$78,218
+HK$3,917/mo
Deposit HK$1.54M · loan HK$13.89M · min. income ≈ HK$148,602/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$578,928 · Scale 2, in force from 26 Feb 2026)