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$36,052
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,173
−HK$1,140/mo
Today · 4.125%
HK$38,313
baseline
▲ 0.50% · 4.625%
HK$40,644
+HK$2,331/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,626/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,108
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,183
−HK$1,091/mo
Today · 4.125%
HK$42,274
baseline
▲ 0.50% · 4.625%
HK$44,503
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,548/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,608
−HK$1,367/mo
Today · 4.125%
HK$45,975
baseline
▲ 0.50% · 4.625%
HK$48,773
+HK$2,798/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$91,950/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,129
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,420
−HK$1,309/mo
Today · 4.125%
HK$50,729
baseline
▲ 0.50% · 4.625%
HK$53,403
+HK$2,674/mo
Deposit HK$6.32M · loan HK$9.49M · min. income ≈ HK$101,458/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,473
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$52,043
−HK$1,595/mo
Today · 4.125%
HK$53,638
baseline
▲ 0.50% · 4.625%
HK$56,902
+HK$3,264/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$107,276/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,151
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$57,656
−HK$1,528/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,304
+HK$3,120/mo
Deposit HK$4.74M · loan HK$11.07M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,894
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,912
−HK$2,051/mo
Today · 4.125%
HK$68,963
baseline
▲ 0.50% · 4.625%
HK$73,159
+HK$4,196/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$137,926/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,194
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,130
−HK$1,964/mo
Today · 4.125%
HK$76,094
baseline
▲ 0.50% · 4.625%
HK$80,105
+HK$4,011/mo
Deposit HK$1.58M · loan HK$14.23M · min. income ≈ HK$152,188/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$592,895 · Scale 2, in force from 26 Feb 2026)