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$36,428
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$1,152/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$41,068
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,526
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,613
−HK$1,103/mo
Today · 4.125%
HK$42,716
baseline
▲ 0.50% · 4.625%
HK$44,967
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,432/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,714
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,074
−HK$1,381/mo
Today · 4.125%
HK$46,455
baseline
▲ 0.50% · 4.625%
HK$49,282
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,910/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,631
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,936
−HK$1,323/mo
Today · 4.125%
HK$51,259
baseline
▲ 0.50% · 4.625%
HK$53,961
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,518/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,000
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,586
−HK$1,612/mo
Today · 4.125%
HK$54,198
baseline
▲ 0.50% · 4.625%
HK$57,496
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,396/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,737
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,258
−HK$1,544/mo
Today · 4.125%
HK$59,802
baseline
▲ 0.50% · 4.625%
HK$62,954
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,604/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,571
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,611
−HK$2,072/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,923
+HK$4,240/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,947
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,903
−HK$1,985/mo
Today · 4.125%
HK$76,888
baseline
▲ 0.50% · 4.625%
HK$80,941
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,776/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,083 · Scale 2, in force from 26 Feb 2026)