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$36,113
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$1,141/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,335/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,175
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,093/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,578
+HK$2,232/mo
Deposit HK$7.92M · loan HK$7.92M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,370/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,855
+HK$2,802/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,210
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,503
−HK$1,312/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,493
+HK$2,678/mo
Deposit HK$6.33M · loan HK$9.50M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,558
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$52,130
−HK$1,598/mo
Today · 4.125%
HK$53,728
baseline
▲ 0.50% · 4.625%
HK$56,997
+HK$3,269/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$107,456/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,245
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$57,754
−HK$1,530/mo
Today · 4.125%
HK$59,284
baseline
▲ 0.50% · 4.625%
HK$62,409
+HK$3,125/mo
Deposit HK$4.75M · loan HK$11.09M · min. income ≈ HK$118,568/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,003
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$2,054/mo
Today · 4.125%
HK$69,079
baseline
▲ 0.50% · 4.625%
HK$73,282
+HK$4,203/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$138,158/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,315
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,255
−HK$1,967/mo
Today · 4.125%
HK$76,222
baseline
▲ 0.50% · 4.625%
HK$80,240
+HK$4,018/mo
Deposit HK$1.58M · loan HK$14.25M · min. income ≈ HK$152,444/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,893 · Scale 2, in force from 26 Feb 2026)