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$36,272
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,400
−HK$1,147/mo
Today · 4.125%
HK$38,547
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,345/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,094/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,352
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,098/mo
Today · 4.125%
HK$42,533
baseline
▲ 0.50% · 4.625%
HK$44,775
+HK$2,242/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,066/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,527
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,375/mo
Today · 4.125%
HK$46,256
baseline
▲ 0.50% · 4.625%
HK$49,071
+HK$2,815/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,512/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,423
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,722
−HK$1,317/mo
Today · 4.125%
HK$51,039
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$2,690/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,078/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,781
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,361
−HK$1,604/mo
Today · 4.125%
HK$53,965
baseline
▲ 0.50% · 4.625%
HK$57,249
+HK$3,284/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,930/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,493
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$58,009
−HK$1,537/mo
Today · 4.125%
HK$59,546
baseline
▲ 0.50% · 4.625%
HK$62,684
+HK$3,138/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,092/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,290
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,321
−HK$2,063/mo
Today · 4.125%
HK$69,384
baseline
▲ 0.50% · 4.625%
HK$73,606
+HK$4,222/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,768/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,634
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,582
−HK$1,977/mo
Today · 4.125%
HK$76,559
baseline
▲ 0.50% · 4.625%
HK$80,594
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,118/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,515 · Scale 2, in force from 26 Feb 2026)