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$36,324
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$1,148/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,950
+HK$2,348/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,410
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,099/mo
Today · 4.125%
HK$42,593
baseline
▲ 0.50% · 4.625%
HK$44,838
+HK$2,245/mo
Deposit HK$7.96M · loan HK$7.96M · min. income ≈ HK$85,186/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,588
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,944
−HK$1,378/mo
Today · 4.125%
HK$46,322
baseline
▲ 0.50% · 4.625%
HK$49,140
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,644/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,492
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,320/mo
Today · 4.125%
HK$51,112
baseline
▲ 0.50% · 4.625%
HK$53,806
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,224/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,853
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,435
−HK$1,607/mo
Today · 4.125%
HK$54,042
baseline
▲ 0.50% · 4.625%
HK$57,331
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,084/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,574
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$58,091
−HK$1,539/mo
Today · 4.125%
HK$59,630
baseline
▲ 0.50% · 4.625%
HK$62,773
+HK$3,143/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,260/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,383
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,417
−HK$2,066/mo
Today · 4.125%
HK$69,483
baseline
▲ 0.50% · 4.625%
HK$73,711
+HK$4,228/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,966/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,738
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,688
−HK$1,979/mo
Today · 4.125%
HK$76,667
baseline
▲ 0.50% · 4.625%
HK$80,709
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,334/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,363 · Scale 2, in force from 26 Feb 2026)