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$36,172
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$1,144/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,241
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,095/mo
Today · 4.125%
HK$42,415
baseline
▲ 0.50% · 4.625%
HK$44,651
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,830/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,407
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,757
−HK$1,372/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,935
+HK$2,806/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,289
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,585
−HK$1,313/mo
Today · 4.125%
HK$50,898
baseline
▲ 0.50% · 4.625%
HK$53,581
+HK$2,683/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,796/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,641
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,601/mo
Today · 4.125%
HK$53,817
baseline
▲ 0.50% · 4.625%
HK$57,091
+HK$3,274/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,634/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,338
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,849
−HK$1,532/mo
Today · 4.125%
HK$59,381
baseline
▲ 0.50% · 4.625%
HK$62,512
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,762/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,110
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,135
−HK$2,058/mo
Today · 4.125%
HK$69,193
baseline
▲ 0.50% · 4.625%
HK$73,403
+HK$4,210/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,386/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,434
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,377
−HK$1,971/mo
Today · 4.125%
HK$76,348
baseline
▲ 0.50% · 4.625%
HK$80,372
+HK$4,024/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,696/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,871 · Scale 2, in force from 26 Feb 2026)