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$35,290
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,388
−HK$1,115/mo
Today · 4.125%
HK$37,503
baseline
▲ 0.50% · 4.625%
HK$39,785
+HK$2,282/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$75,006/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,260
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,313
−HK$1,068/mo
Today · 4.125%
HK$41,381
baseline
▲ 0.50% · 4.625%
HK$43,562
+HK$2,181/mo
Deposit HK$7.74M · loan HK$7.74M · min. income ≈ HK$82,762/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,348
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,665
−HK$1,339/mo
Today · 4.125%
HK$45,004
baseline
▲ 0.50% · 4.625%
HK$47,742
+HK$2,738/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$90,008/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,375
−HK$1,282/mo
Today · 4.125%
HK$49,657
baseline
▲ 0.50% · 4.625%
HK$52,275
+HK$2,618/mo
Deposit HK$6.19M · loan HK$9.29M · min. income ≈ HK$99,314/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,406
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,561/mo
Today · 4.125%
HK$52,504
baseline
▲ 0.50% · 4.625%
HK$55,699
+HK$3,195/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$105,008/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,964
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,438
−HK$1,495/mo
Today · 4.125%
HK$57,933
baseline
▲ 0.50% · 4.625%
HK$60,987
+HK$3,054/mo
Deposit HK$4.64M · loan HK$10.83M · min. income ≈ HK$115,866/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,522
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,498
−HK$2,008/mo
Today · 4.125%
HK$67,506
baseline
▲ 0.50% · 4.625%
HK$71,613
+HK$4,107/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$135,012/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,668
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,563
−HK$1,923/mo
Today · 4.125%
HK$74,486
baseline
▲ 0.50% · 4.625%
HK$78,412
+HK$3,926/mo
Deposit HK$1.55M · loan HK$13.93M · min. income ≈ HK$148,972/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$580,365 · Scale 2, in force from 26 Feb 2026)