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$36,116
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,239
−HK$1,141/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,716
+HK$2,336/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,178
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,093/mo
Today · 4.125%
HK$42,349
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,698/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,339
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,687
−HK$1,370/mo
Today · 4.125%
HK$46,057
baseline
▲ 0.50% · 4.625%
HK$48,859
+HK$2,802/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$92,114/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,214
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,312/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,498
+HK$2,679/mo
Deposit HK$6.34M · loan HK$9.50M · min. income ≈ HK$101,638/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,562
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$52,135
−HK$1,598/mo
Today · 4.125%
HK$53,733
baseline
▲ 0.50% · 4.625%
HK$57,002
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,466/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,250
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,758
−HK$1,531/mo
Today · 4.125%
HK$59,289
baseline
▲ 0.50% · 4.625%
HK$62,414
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,578/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,008
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$2,055/mo
Today · 4.125%
HK$69,085
baseline
▲ 0.50% · 4.625%
HK$73,289
+HK$4,204/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,170/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,321
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,261
−HK$1,967/mo
Today · 4.125%
HK$76,228
baseline
▲ 0.50% · 4.625%
HK$80,246
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,456/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,942 · Scale 2, in force from 26 Feb 2026)