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$36,183
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,309
−HK$1,143/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,792
+HK$2,340/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,254
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,095/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$44,665
+HK$2,237/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,372/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,950
+HK$2,807/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,304
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,314/mo
Today · 4.125%
HK$50,914
baseline
▲ 0.50% · 4.625%
HK$53,598
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,828/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,657
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,601/mo
Today · 4.125%
HK$53,833
baseline
▲ 0.50% · 4.625%
HK$57,109
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,666/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,355
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,866
−HK$1,534/mo
Today · 4.125%
HK$59,400
baseline
▲ 0.50% · 4.625%
HK$62,531
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,800/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,130
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,156
−HK$2,058/mo
Today · 4.125%
HK$69,214
baseline
▲ 0.50% · 4.625%
HK$73,426
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,428/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,456
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,400
−HK$1,971/mo
Today · 4.125%
HK$76,371
baseline
▲ 0.50% · 4.625%
HK$80,397
+HK$4,026/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,742/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,054 · Scale 2, in force from 26 Feb 2026)