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$36,129
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,252
−HK$1,142/mo
Today · 4.125%
HK$38,394
baseline
▲ 0.50% · 4.625%
HK$40,730
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,788/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,271
−HK$1,093/mo
Today · 4.125%
HK$42,364
baseline
▲ 0.50% · 4.625%
HK$44,597
+HK$2,233/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,728/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,354
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,370/mo
Today · 4.125%
HK$46,073
baseline
▲ 0.50% · 4.625%
HK$48,876
+HK$2,803/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,146/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,231
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,525
−HK$1,312/mo
Today · 4.125%
HK$50,837
baseline
▲ 0.50% · 4.625%
HK$53,517
+HK$2,680/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,674/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$52,153
−HK$1,599/mo
Today · 4.125%
HK$53,752
baseline
▲ 0.50% · 4.625%
HK$57,023
+HK$3,271/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,504/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,270
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$57,779
−HK$1,531/mo
Today · 4.125%
HK$59,310
baseline
▲ 0.50% · 4.625%
HK$62,436
+HK$3,126/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,620/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,032
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,054
−HK$2,056/mo
Today · 4.125%
HK$69,110
baseline
▲ 0.50% · 4.625%
HK$73,315
+HK$4,205/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$138,220/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,347
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,287
−HK$1,969/mo
Today · 4.125%
HK$76,256
baseline
▲ 0.50% · 4.625%
HK$80,275
+HK$4,019/mo
Deposit HK$1.58M · loan HK$14.26M · min. income ≈ HK$152,512/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,154 · Scale 2, in force from 26 Feb 2026)