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$35,040
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$36,130
−HK$1,107/mo
Today · 4.125%
HK$37,237
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$2,266/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$74,474/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,982
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$40,027
−HK$1,061/mo
Today · 4.125%
HK$41,088
baseline
▲ 0.50% · 4.625%
HK$43,253
+HK$2,165/mo
Deposit HK$7.68M · loan HK$7.68M · min. income ≈ HK$82,176/mo (50% DSR)
Upfront cash ≈ HK$8.26M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,048
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,356
−HK$1,329/mo
Today · 4.125%
HK$44,685
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,719/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$89,370/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,778
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,032
−HK$1,273/mo
Today · 4.125%
HK$49,305
baseline
▲ 0.50% · 4.625%
HK$51,904
+HK$2,599/mo
Deposit HK$6.15M · loan HK$9.22M · min. income ≈ HK$98,610/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,056
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,582
−HK$1,550/mo
Today · 4.125%
HK$52,132
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$3,172/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$104,264/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,574
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,038
−HK$1,485/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$60,555
+HK$3,032/mo
Deposit HK$4.61M · loan HK$10.76M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,072
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,034
−HK$1,993/mo
Today · 4.125%
HK$67,027
baseline
▲ 0.50% · 4.625%
HK$71,105
+HK$4,078/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$134,054/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,167
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,049
−HK$1,909/mo
Today · 4.125%
HK$73,958
baseline
▲ 0.50% · 4.625%
HK$77,856
+HK$3,898/mo
Deposit HK$1.54M · loan HK$13.83M · min. income ≈ HK$147,916/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$576,250 · Scale 2, in force from 26 Feb 2026)