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$36,017
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$1,138/mo
Today · 4.125%
HK$38,276
baseline
▲ 0.50% · 4.625%
HK$40,605
+HK$2,329/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$76,552/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,069
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,091/mo
Today · 4.125%
HK$42,234
baseline
▲ 0.50% · 4.625%
HK$44,460
+HK$2,226/mo
Deposit HK$7.90M · loan HK$7.90M · min. income ≈ HK$84,468/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,221
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,366/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,726
+HK$2,795/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,082
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,372
−HK$1,308/mo
Today · 4.125%
HK$50,680
baseline
▲ 0.50% · 4.625%
HK$53,352
+HK$2,672/mo
Deposit HK$6.32M · loan HK$9.48M · min. income ≈ HK$101,360/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,993
−HK$1,593/mo
Today · 4.125%
HK$53,586
baseline
▲ 0.50% · 4.625%
HK$56,847
+HK$3,261/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$107,172/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,096
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$57,601
−HK$1,526/mo
Today · 4.125%
HK$59,127
baseline
▲ 0.50% · 4.625%
HK$62,244
+HK$3,117/mo
Deposit HK$4.74M · loan HK$11.06M · min. income ≈ HK$118,254/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,831
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,848
−HK$2,048/mo
Today · 4.125%
HK$68,896
baseline
▲ 0.50% · 4.625%
HK$73,089
+HK$4,193/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$137,792/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,124
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,058
−HK$1,962/mo
Today · 4.125%
HK$76,020
baseline
▲ 0.50% · 4.625%
HK$80,027
+HK$4,007/mo
Deposit HK$1.58M · loan HK$14.22M · min. income ≈ HK$152,040/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,322 · Scale 2, in force from 26 Feb 2026)