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$35,804
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,918
−HK$1,131/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,900
−HK$1,083/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,196
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,965
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,301
−HK$1,358/mo
Today · 4.125%
HK$45,659
baseline
▲ 0.50% · 4.625%
HK$48,437
+HK$2,778/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,318/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,798
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,080
−HK$1,300/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,036
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,125
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,584/mo
Today · 4.125%
HK$53,269
baseline
▲ 0.50% · 4.625%
HK$56,510
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,538/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,764
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,260
−HK$1,517/mo
Today · 4.125%
HK$58,777
baseline
▲ 0.50% · 4.625%
HK$61,875
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,554/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,447
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,452
−HK$2,036/mo
Today · 4.125%
HK$68,488
baseline
▲ 0.50% · 4.625%
HK$72,656
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,976/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,697
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,620
−HK$1,950/mo
Today · 4.125%
HK$75,570
baseline
▲ 0.50% · 4.625%
HK$79,554
+HK$3,984/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,140/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,814 · Scale 2, in force from 26 Feb 2026)