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$35,679
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$1,127/mo
Today · 4.125%
HK$37,916
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,308/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$75,832/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,757
−HK$1,080/mo
Today · 4.125%
HK$41,837
baseline
▲ 0.50% · 4.625%
HK$44,042
+HK$2,205/mo
Deposit HK$7.82M · loan HK$7.82M · min. income ≈ HK$83,674/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,815
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,353/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$48,268
+HK$2,768/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,631
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,909
−HK$1,295/mo
Today · 4.125%
HK$50,204
baseline
▲ 0.50% · 4.625%
HK$52,851
+HK$2,647/mo
Deposit HK$6.26M · loan HK$9.39M · min. income ≈ HK$100,408/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$51,504
−HK$1,579/mo
Today · 4.125%
HK$53,083
baseline
▲ 0.50% · 4.625%
HK$56,313
+HK$3,230/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$106,166/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,570
−HK$3,002/mo
▼ 0.25% · 3.875%
HK$57,060
−HK$1,512/mo
Today · 4.125%
HK$58,572
baseline
▲ 0.50% · 4.625%
HK$61,659
+HK$3,087/mo
Deposit HK$4.69M · loan HK$10.95M · min. income ≈ HK$117,144/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,222
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$2,030/mo
Today · 4.125%
HK$68,250
baseline
▲ 0.50% · 4.625%
HK$72,402
+HK$4,152/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$136,500/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,363
−HK$1,944/mo
Today · 4.125%
HK$75,307
baseline
▲ 0.50% · 4.625%
HK$79,276
+HK$3,969/mo
Deposit HK$1.56M · loan HK$14.08M · min. income ≈ HK$150,614/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$586,761 · Scale 2, in force from 26 Feb 2026)