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$35,940
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$1,136/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,983
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,088/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,365
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,129
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,363/mo
Today · 4.125%
HK$45,833
baseline
▲ 0.50% · 4.625%
HK$48,622
+HK$2,789/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$91,666/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,980
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,267
−HK$1,305/mo
Today · 4.125%
HK$50,572
baseline
▲ 0.50% · 4.625%
HK$53,238
+HK$2,666/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$101,144/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,317
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,882
−HK$1,590/mo
Today · 4.125%
HK$53,472
baseline
▲ 0.50% · 4.625%
HK$56,726
+HK$3,254/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,944/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,977
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,523/mo
Today · 4.125%
HK$59,001
baseline
▲ 0.50% · 4.625%
HK$62,111
+HK$3,110/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$118,002/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,693
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$2,045/mo
Today · 4.125%
HK$68,750
baseline
▲ 0.50% · 4.625%
HK$72,933
+HK$4,183/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,500/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,970
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,900
−HK$1,958/mo
Today · 4.125%
HK$75,858
baseline
▲ 0.50% · 4.625%
HK$79,857
+HK$3,999/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,716/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,060 · Scale 2, in force from 26 Feb 2026)