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$35,904
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,021
−HK$1,135/mo
Today · 4.125%
HK$38,156
baseline
▲ 0.50% · 4.625%
HK$40,478
+HK$2,322/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,312/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,943
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,015
−HK$1,086/mo
Today · 4.125%
HK$42,101
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,219/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,202/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,085
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$44,425
−HK$1,362/mo
Today · 4.125%
HK$45,787
baseline
▲ 0.50% · 4.625%
HK$48,573
+HK$2,786/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,574/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,217
−HK$1,305/mo
Today · 4.125%
HK$50,522
baseline
▲ 0.50% · 4.625%
HK$53,185
+HK$2,663/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,044/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,266
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,830
−HK$1,588/mo
Today · 4.125%
HK$53,418
baseline
▲ 0.50% · 4.625%
HK$56,669
+HK$3,251/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$106,836/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,921
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,420
−HK$1,522/mo
Today · 4.125%
HK$58,942
baseline
▲ 0.50% · 4.625%
HK$62,049
+HK$3,107/mo
Deposit HK$4.72M · loan HK$11.02M · min. income ≈ HK$117,884/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,628
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$2,043/mo
Today · 4.125%
HK$68,681
baseline
▲ 0.50% · 4.625%
HK$72,860
+HK$4,179/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$137,362/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,898
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,826
−HK$1,956/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$79,777
+HK$3,995/mo
Deposit HK$1.57M · loan HK$14.17M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,466 · Scale 2, in force from 26 Feb 2026)