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$36,143
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,267
−HK$1,143/mo
Today · 4.125%
HK$38,410
baseline
▲ 0.50% · 4.625%
HK$40,747
+HK$2,337/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,820/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,209
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,287
−HK$1,094/mo
Today · 4.125%
HK$42,381
baseline
▲ 0.50% · 4.625%
HK$44,615
+HK$2,234/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,762/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,372
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,721
−HK$1,371/mo
Today · 4.125%
HK$46,092
baseline
▲ 0.50% · 4.625%
HK$48,896
+HK$2,804/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,184/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,251
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,312/mo
Today · 4.125%
HK$50,857
baseline
▲ 0.50% · 4.625%
HK$53,538
+HK$2,681/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,714/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,600
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$52,174
−HK$1,599/mo
Today · 4.125%
HK$53,773
baseline
▲ 0.50% · 4.625%
HK$57,045
+HK$3,272/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,546/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,292
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$57,802
−HK$1,532/mo
Today · 4.125%
HK$59,334
baseline
▲ 0.50% · 4.625%
HK$62,461
+HK$3,127/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,668/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,058
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,081
−HK$2,056/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$73,344
+HK$4,207/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,376
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,317
−HK$1,969/mo
Today · 4.125%
HK$76,286
baseline
▲ 0.50% · 4.625%
HK$80,307
+HK$4,021/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,572/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,393 · Scale 2, in force from 26 Feb 2026)