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$36,422
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,555
−HK$1,151/mo
Today · 4.125%
HK$38,706
baseline
▲ 0.50% · 4.625%
HK$41,061
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,412/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,605
−HK$1,103/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$44,959
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,706
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,065
−HK$1,382/mo
Today · 4.125%
HK$46,447
baseline
▲ 0.50% · 4.625%
HK$49,273
+HK$2,826/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$92,894/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,622
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,926
−HK$1,323/mo
Today · 4.125%
HK$51,249
baseline
▲ 0.50% · 4.625%
HK$53,951
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.58M · min. income ≈ HK$102,498/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,990
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,576
−HK$1,612/mo
Today · 4.125%
HK$54,188
baseline
▲ 0.50% · 4.625%
HK$57,485
+HK$3,297/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,376/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,726
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,248
−HK$1,543/mo
Today · 4.125%
HK$59,791
baseline
▲ 0.50% · 4.625%
HK$62,943
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,582/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,559
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,598
−HK$2,072/mo
Today · 4.125%
HK$69,670
baseline
▲ 0.50% · 4.625%
HK$73,909
+HK$4,239/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,340/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,934
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,890
−HK$1,984/mo
Today · 4.125%
HK$76,874
baseline
▲ 0.50% · 4.625%
HK$80,926
+HK$4,052/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,748/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$598,973 · Scale 2, in force from 26 Feb 2026)