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$36,404
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,536
−HK$1,151/mo
Today · 4.125%
HK$38,687
baseline
▲ 0.50% · 4.625%
HK$41,041
+HK$2,354/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,374/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,499
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,102/mo
Today · 4.125%
HK$42,687
baseline
▲ 0.50% · 4.625%
HK$44,937
+HK$2,250/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,374/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,685
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,044
−HK$1,380/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$49,249
+HK$2,825/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,323/mo
Today · 4.125%
HK$51,225
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$2,700/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,450/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,966
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$52,551
−HK$1,611/mo
Today · 4.125%
HK$54,162
baseline
▲ 0.50% · 4.625%
HK$57,457
+HK$3,295/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,324/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,699
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$58,219
−HK$1,543/mo
Today · 4.125%
HK$59,762
baseline
▲ 0.50% · 4.625%
HK$62,912
+HK$3,150/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,524/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,527
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,566
−HK$2,070/mo
Today · 4.125%
HK$69,636
baseline
▲ 0.50% · 4.625%
HK$73,874
+HK$4,238/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$139,272/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,898
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$74,854
−HK$1,983/mo
Today · 4.125%
HK$76,837
baseline
▲ 0.50% · 4.625%
HK$80,887
+HK$4,050/mo
Deposit HK$1.60M · loan HK$14.37M · min. income ≈ HK$153,674/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,684 · Scale 2, in force from 26 Feb 2026)