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$36,131
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$1,142/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,196
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,274
−HK$1,093/mo
Today · 4.125%
HK$42,367
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,234/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,734/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,370/mo
Today · 4.125%
HK$46,076
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,152/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,235
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,313/mo
Today · 4.125%
HK$50,841
baseline
▲ 0.50% · 4.625%
HK$53,521
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,682/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,584
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,599/mo
Today · 4.125%
HK$53,756
baseline
▲ 0.50% · 4.625%
HK$57,027
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,512/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,274
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,783
−HK$1,531/mo
Today · 4.125%
HK$59,314
baseline
▲ 0.50% · 4.625%
HK$62,441
+HK$3,127/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,628/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,036
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,059
−HK$2,056/mo
Today · 4.125%
HK$69,115
baseline
▲ 0.50% · 4.625%
HK$73,320
+HK$4,205/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,230/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,352
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,293
−HK$1,968/mo
Today · 4.125%
HK$76,261
baseline
▲ 0.50% · 4.625%
HK$80,281
+HK$4,020/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,522/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,198 · Scale 2, in force from 26 Feb 2026)