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$35,940
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$1,136/mo
Today · 4.125%
HK$38,194
baseline
▲ 0.50% · 4.625%
HK$40,518
+HK$2,324/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,388/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,983
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,055
−HK$1,088/mo
Today · 4.125%
HK$42,143
baseline
▲ 0.50% · 4.625%
HK$44,365
+HK$2,222/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,286/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,128
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,363/mo
Today · 4.125%
HK$45,833
baseline
▲ 0.50% · 4.625%
HK$48,621
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$91,666/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,980
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,306/mo
Today · 4.125%
HK$50,572
baseline
▲ 0.50% · 4.625%
HK$53,237
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.46M · min. income ≈ HK$101,144/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,316
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,881
−HK$1,590/mo
Today · 4.125%
HK$53,471
baseline
▲ 0.50% · 4.625%
HK$56,725
+HK$3,254/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,942/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,976
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,523/mo
Today · 4.125%
HK$59,000
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,110/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$118,000/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,692
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,704
−HK$2,045/mo
Today · 4.125%
HK$68,749
baseline
▲ 0.50% · 4.625%
HK$72,932
+HK$4,183/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,498/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,969
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,900
−HK$1,958/mo
Today · 4.125%
HK$75,858
baseline
▲ 0.50% · 4.625%
HK$79,856
+HK$3,998/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,716/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,054 · Scale 2, in force from 26 Feb 2026)