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$36,154
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,278
−HK$1,143/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,759
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,221
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,095/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,628
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,385
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,371/mo
Today · 4.125%
HK$46,105
baseline
▲ 0.50% · 4.625%
HK$48,910
+HK$2,805/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,210/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,265
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,313/mo
Today · 4.125%
HK$50,872
baseline
▲ 0.50% · 4.625%
HK$53,554
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,744/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,615
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,190
−HK$1,599/mo
Today · 4.125%
HK$53,789
baseline
▲ 0.50% · 4.625%
HK$57,062
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,578/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,309
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,532/mo
Today · 4.125%
HK$59,351
baseline
▲ 0.50% · 4.625%
HK$62,480
+HK$3,129/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,702/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,077
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,101
−HK$2,057/mo
Today · 4.125%
HK$69,158
baseline
▲ 0.50% · 4.625%
HK$73,366
+HK$4,208/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,316/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,397
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,339
−HK$1,970/mo
Today · 4.125%
HK$76,309
baseline
▲ 0.50% · 4.625%
HK$80,331
+HK$4,022/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,618/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,568 · Scale 2, in force from 26 Feb 2026)