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$36,007
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,127
−HK$1,138/mo
Today · 4.125%
HK$38,265
baseline
▲ 0.50% · 4.625%
HK$40,594
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,530/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,058
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,132
−HK$1,090/mo
Today · 4.125%
HK$42,222
baseline
▲ 0.50% · 4.625%
HK$44,448
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,444/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,209
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,553
−HK$1,366/mo
Today · 4.125%
HK$45,919
baseline
▲ 0.50% · 4.625%
HK$48,713
+HK$2,794/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$91,838/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,070
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,359
−HK$1,308/mo
Today · 4.125%
HK$50,667
baseline
▲ 0.50% · 4.625%
HK$53,337
+HK$2,670/mo
Deposit HK$6.32M · loan HK$9.47M · min. income ≈ HK$101,334/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,410
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,978
−HK$1,594/mo
Today · 4.125%
HK$53,572
baseline
▲ 0.50% · 4.625%
HK$56,831
+HK$3,259/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$107,144/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,081
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,585
−HK$1,526/mo
Today · 4.125%
HK$59,111
baseline
▲ 0.50% · 4.625%
HK$62,227
+HK$3,116/mo
Deposit HK$4.74M · loan HK$11.05M · min. income ≈ HK$118,222/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,813
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,829
−HK$2,049/mo
Today · 4.125%
HK$68,878
baseline
▲ 0.50% · 4.625%
HK$73,069
+HK$4,191/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$137,756/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,104
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,038
−HK$1,962/mo
Today · 4.125%
HK$76,000
baseline
▲ 0.50% · 4.625%
HK$80,006
+HK$4,006/mo
Deposit HK$1.58M · loan HK$14.21M · min. income ≈ HK$152,000/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,162 · Scale 2, in force from 26 Feb 2026)