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$36,200
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,326
−HK$1,144/mo
Today · 4.125%
HK$38,470
baseline
▲ 0.50% · 4.625%
HK$40,811
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,940/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,273
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,353
−HK$1,095/mo
Today · 4.125%
HK$42,448
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,238/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,896/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,440
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,792
−HK$1,373/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,974
+HK$2,809/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,327
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,623
−HK$1,315/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$53,623
+HK$2,685/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,680
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,257
−HK$1,602/mo
Today · 4.125%
HK$53,859
baseline
▲ 0.50% · 4.625%
HK$57,136
+HK$3,277/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,718/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,534/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$62,560
+HK$3,132/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,161
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,187
−HK$2,060/mo
Today · 4.125%
HK$69,247
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$4,213/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,494/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,491
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,435
−HK$1,972/mo
Today · 4.125%
HK$76,407
baseline
▲ 0.50% · 4.625%
HK$80,435
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,814/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,334 · Scale 2, in force from 26 Feb 2026)