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$36,233
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,360
−HK$1,145/mo
Today · 4.125%
HK$38,505
baseline
▲ 0.50% · 4.625%
HK$40,848
+HK$2,343/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$77,010/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,309
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,390
−HK$1,097/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$44,726
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,479
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,832
−HK$1,374/mo
Today · 4.125%
HK$46,206
baseline
▲ 0.50% · 4.625%
HK$49,018
+HK$2,812/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$92,412/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,370
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,668
−HK$1,316/mo
Today · 4.125%
HK$50,984
baseline
▲ 0.50% · 4.625%
HK$53,671
+HK$2,687/mo
Deposit HK$6.36M · loan HK$9.53M · min. income ≈ HK$101,968/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,726
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,304
−HK$1,603/mo
Today · 4.125%
HK$53,907
baseline
▲ 0.50% · 4.625%
HK$57,187
+HK$3,280/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,814/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,432
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,946
−HK$1,535/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$62,616
+HK$3,135/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,219
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,248
−HK$2,061/mo
Today · 4.125%
HK$69,309
baseline
▲ 0.50% · 4.625%
HK$73,526
+HK$4,217/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,618/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,556
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,502
−HK$1,974/mo
Today · 4.125%
HK$76,476
baseline
▲ 0.50% · 4.625%
HK$80,507
+HK$4,031/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,952/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,869 · Scale 2, in force from 26 Feb 2026)