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$35,493
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$1,122/mo
Today · 4.125%
HK$37,719
baseline
▲ 0.50% · 4.625%
HK$40,014
+HK$2,295/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$75,438/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,486
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,545
−HK$1,074/mo
Today · 4.125%
HK$41,619
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,194/mo
Deposit HK$7.78M · loan HK$7.78M · min. income ≈ HK$83,238/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,592
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,917
−HK$1,346/mo
Today · 4.125%
HK$45,263
baseline
▲ 0.50% · 4.625%
HK$48,017
+HK$2,754/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$90,526/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,289/mo
Today · 4.125%
HK$49,943
baseline
▲ 0.50% · 4.625%
HK$52,576
+HK$2,633/mo
Deposit HK$6.23M · loan HK$9.34M · min. income ≈ HK$99,886/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,690
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$51,236
−HK$1,571/mo
Today · 4.125%
HK$52,807
baseline
▲ 0.50% · 4.625%
HK$56,020
+HK$3,213/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$105,614/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,280
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$56,763
−HK$1,504/mo
Today · 4.125%
HK$58,267
baseline
▲ 0.50% · 4.625%
HK$61,338
+HK$3,071/mo
Deposit HK$4.67M · loan HK$10.90M · min. income ≈ HK$116,534/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,888
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,875
−HK$2,019/mo
Today · 4.125%
HK$67,894
baseline
▲ 0.50% · 4.625%
HK$72,025
+HK$4,131/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$135,788/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,074
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,981
−HK$1,933/mo
Today · 4.125%
HK$74,914
baseline
▲ 0.50% · 4.625%
HK$78,863
+HK$3,949/mo
Deposit HK$1.56M · loan HK$14.01M · min. income ≈ HK$149,828/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$583,705 · Scale 2, in force from 26 Feb 2026)