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$36,406
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,538
−HK$1,150/mo
Today · 4.125%
HK$38,688
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,355/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,376/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,501
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,587
−HK$1,102/mo
Today · 4.125%
HK$42,689
baseline
▲ 0.50% · 4.625%
HK$44,939
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,378/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,046
−HK$1,380/mo
Today · 4.125%
HK$46,426
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,852/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,904
−HK$1,323/mo
Today · 4.125%
HK$51,227
baseline
▲ 0.50% · 4.625%
HK$53,927
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,454/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,968
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,553
−HK$1,611/mo
Today · 4.125%
HK$54,164
baseline
▲ 0.50% · 4.625%
HK$57,460
+HK$3,296/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,328/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,701
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,542/mo
Today · 4.125%
HK$59,764
baseline
▲ 0.50% · 4.625%
HK$62,915
+HK$3,151/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,528/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,530
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,568
−HK$2,071/mo
Today · 4.125%
HK$69,639
baseline
▲ 0.50% · 4.625%
HK$73,877
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,278/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,901
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,857
−HK$1,983/mo
Today · 4.125%
HK$76,840
baseline
▲ 0.50% · 4.625%
HK$80,890
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,680/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,708 · Scale 2, in force from 26 Feb 2026)