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$35,993
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,112
−HK$1,138/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,327/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,042
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,116
−HK$1,089/mo
Today · 4.125%
HK$42,205
baseline
▲ 0.50% · 4.625%
HK$44,430
+HK$2,225/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,410/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,191
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,535
−HK$1,365/mo
Today · 4.125%
HK$45,900
baseline
▲ 0.50% · 4.625%
HK$48,693
+HK$2,793/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$91,800/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,050
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,339
−HK$1,307/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,316
+HK$2,670/mo
Deposit HK$6.31M · loan HK$9.47M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,390
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$51,957
−HK$1,593/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,808
+HK$3,258/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,058
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$57,562
−HK$1,525/mo
Today · 4.125%
HK$59,087
baseline
▲ 0.50% · 4.625%
HK$62,202
+HK$3,115/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,174/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,787
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,802
−HK$2,048/mo
Today · 4.125%
HK$68,850
baseline
▲ 0.50% · 4.625%
HK$73,039
+HK$4,189/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,700/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,075
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,008
−HK$1,961/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$79,973
+HK$4,004/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,921 · Scale 2, in force from 26 Feb 2026)