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$35,578
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$1,124/mo
Today · 4.125%
HK$37,809
baseline
▲ 0.50% · 4.625%
HK$40,110
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,618/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,642
−HK$1,077/mo
Today · 4.125%
HK$41,719
baseline
▲ 0.50% · 4.625%
HK$43,918
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,438/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,694
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,349/mo
Today · 4.125%
HK$45,371
baseline
▲ 0.50% · 4.625%
HK$48,132
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,742/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,770
−HK$1,293/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,810
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,359
−HK$1,574/mo
Today · 4.125%
HK$52,933
baseline
▲ 0.50% · 4.625%
HK$56,154
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,866/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,413
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,899
−HK$1,507/mo
Today · 4.125%
HK$58,406
baseline
▲ 0.50% · 4.625%
HK$61,485
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,812/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,041
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,033
−HK$2,024/mo
Today · 4.125%
HK$68,057
baseline
▲ 0.50% · 4.625%
HK$72,198
+HK$4,141/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,114/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,245
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,155
−HK$1,939/mo
Today · 4.125%
HK$75,094
baseline
▲ 0.50% · 4.625%
HK$79,052
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,188/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,103 · Scale 2, in force from 26 Feb 2026)