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$35,967
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$1,136/mo
Today · 4.125%
HK$38,222
baseline
▲ 0.50% · 4.625%
HK$40,548
+HK$2,326/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$76,444/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,013
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,086
−HK$1,088/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,397
+HK$2,223/mo
Deposit HK$7.89M · loan HK$7.89M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$8.48M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,160
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,503
−HK$1,364/mo
Today · 4.125%
HK$45,867
baseline
▲ 0.50% · 4.625%
HK$48,658
+HK$2,791/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,734/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,015
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,303
−HK$1,306/mo
Today · 4.125%
HK$50,609
baseline
▲ 0.50% · 4.625%
HK$53,277
+HK$2,668/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,218/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,353
−HK$3,158/mo
▼ 0.25% · 3.875%
HK$51,920
−HK$1,591/mo
Today · 4.125%
HK$53,511
baseline
▲ 0.50% · 4.625%
HK$56,767
+HK$3,256/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$107,022/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,018
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,520
−HK$1,524/mo
Today · 4.125%
HK$59,044
baseline
▲ 0.50% · 4.625%
HK$62,156
+HK$3,112/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,088/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,740
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,754
−HK$2,046/mo
Today · 4.125%
HK$68,800
baseline
▲ 0.50% · 4.625%
HK$72,986
+HK$4,186/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$137,600/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,023
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,954
−HK$1,960/mo
Today · 4.125%
HK$75,914
baseline
▲ 0.50% · 4.625%
HK$79,915
+HK$4,001/mo
Deposit HK$1.58M · loan HK$14.20M · min. income ≈ HK$151,828/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,492 · Scale 2, in force from 26 Feb 2026)