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$35,360
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,460
−HK$1,118/mo
Today · 4.125%
HK$37,578
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$2,286/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$75,156/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,338
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,070/mo
Today · 4.125%
HK$41,463
baseline
▲ 0.50% · 4.625%
HK$43,649
+HK$2,186/mo
Deposit HK$7.75M · loan HK$7.75M · min. income ≈ HK$82,926/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,432
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,752
−HK$1,341/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,744/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,205
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,471
−HK$1,285/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,378
+HK$2,622/mo
Deposit HK$6.20M · loan HK$9.30M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,504
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,565/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,810
+HK$3,201/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,073
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,550
−HK$1,498/mo
Today · 4.125%
HK$58,048
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,060/mo
Deposit HK$4.65M · loan HK$10.85M · min. income ≈ HK$116,096/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,628
−HK$2,012/mo
Today · 4.125%
HK$67,640
baseline
▲ 0.50% · 4.625%
HK$71,755
+HK$4,115/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$135,280/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,808
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,707
−HK$1,927/mo
Today · 4.125%
HK$74,634
baseline
▲ 0.50% · 4.625%
HK$78,568
+HK$3,934/mo
Deposit HK$1.55M · loan HK$13.96M · min. income ≈ HK$149,268/mo (50% DSR)
Upfront cash ≈ HK$2.13M (deposit + AVD stamp duty HK$581,516 · Scale 2, in force from 26 Feb 2026)