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$36,379
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,510
−HK$1,150/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,353/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,471
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,557
−HK$1,101/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$44,906
+HK$2,248/mo
Deposit HK$7.98M · loan HK$7.98M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,655
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,013
−HK$1,379/mo
Today · 4.125%
HK$46,392
baseline
▲ 0.50% · 4.625%
HK$49,215
+HK$2,823/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$92,784/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,565
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,868
−HK$1,321/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$53,887
+HK$2,698/mo
Deposit HK$6.38M · loan HK$9.57M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,930
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$52,515
−HK$1,609/mo
Today · 4.125%
HK$54,124
baseline
▲ 0.50% · 4.625%
HK$57,418
+HK$3,294/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$108,248/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,660
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$58,179
−HK$1,542/mo
Today · 4.125%
HK$59,721
baseline
▲ 0.50% · 4.625%
HK$62,869
+HK$3,148/mo
Deposit HK$4.79M · loan HK$11.17M · min. income ≈ HK$119,442/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,482
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,519
−HK$2,069/mo
Today · 4.125%
HK$69,588
baseline
▲ 0.50% · 4.625%
HK$73,823
+HK$4,235/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$139,176/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,848
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,802
−HK$1,982/mo
Today · 4.125%
HK$76,784
baseline
▲ 0.50% · 4.625%
HK$80,831
+HK$4,047/mo
Deposit HK$1.60M · loan HK$14.36M · min. income ≈ HK$153,568/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$598,270 · Scale 2, in force from 26 Feb 2026)