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$35,813
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,927
−HK$1,132/mo
Today · 4.125%
HK$38,059
baseline
▲ 0.50% · 4.625%
HK$40,374
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,118/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,842
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,910
−HK$1,084/mo
Today · 4.125%
HK$41,994
baseline
▲ 0.50% · 4.625%
HK$44,208
+HK$2,214/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,988/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,976
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,312
−HK$1,358/mo
Today · 4.125%
HK$45,670
baseline
▲ 0.50% · 4.625%
HK$48,449
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,340/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,810
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,092
−HK$1,301/mo
Today · 4.125%
HK$50,393
baseline
▲ 0.50% · 4.625%
HK$53,049
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,786/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,138
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,698
−HK$1,584/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,524
+HK$3,242/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,778
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,274
−HK$1,518/mo
Today · 4.125%
HK$58,792
baseline
▲ 0.50% · 4.625%
HK$61,891
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,584/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,463
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,468
−HK$2,038/mo
Today · 4.125%
HK$68,506
baseline
▲ 0.50% · 4.625%
HK$72,674
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,012/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,715
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,638
−HK$1,951/mo
Today · 4.125%
HK$75,589
baseline
▲ 0.50% · 4.625%
HK$79,574
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,178/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,963 · Scale 2, in force from 26 Feb 2026)