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$36,084
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,207
−HK$1,140/mo
Today · 4.125%
HK$38,347
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,334/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,694/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,220
−HK$1,092/mo
Today · 4.125%
HK$42,312
baseline
▲ 0.50% · 4.625%
HK$44,543
+HK$2,231/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,624/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,301
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,648
−HK$1,369/mo
Today · 4.125%
HK$46,017
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,034/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,311/mo
Today · 4.125%
HK$50,775
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,550/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,518
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,090
−HK$1,596/mo
Today · 4.125%
HK$53,686
baseline
▲ 0.50% · 4.625%
HK$56,953
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,372/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,201
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,708
−HK$1,529/mo
Today · 4.125%
HK$59,237
baseline
▲ 0.50% · 4.625%
HK$62,360
+HK$3,123/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,474/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,952
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,972
−HK$2,053/mo
Today · 4.125%
HK$69,025
baseline
▲ 0.50% · 4.625%
HK$73,225
+HK$4,200/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,050/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,259
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,196
−HK$1,966/mo
Today · 4.125%
HK$76,162
baseline
▲ 0.50% · 4.625%
HK$80,177
+HK$4,015/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,324/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,429 · Scale 2, in force from 26 Feb 2026)