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$35,931
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$1,135/mo
Today · 4.125%
HK$38,184
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,323/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,368/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,973
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,045
−HK$1,087/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,353
+HK$2,221/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,117
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,363/mo
Today · 4.125%
HK$45,821
baseline
▲ 0.50% · 4.625%
HK$48,609
+HK$2,788/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$91,642/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,967
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,254
−HK$1,305/mo
Today · 4.125%
HK$50,559
baseline
▲ 0.50% · 4.625%
HK$53,224
+HK$2,665/mo
Deposit HK$6.30M · loan HK$9.45M · min. income ≈ HK$101,118/mo (50% DSR)
Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,303
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,868
−HK$1,590/mo
Today · 4.125%
HK$53,458
baseline
▲ 0.50% · 4.625%
HK$56,710
+HK$3,252/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$106,916/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,463
−HK$1,522/mo
Today · 4.125%
HK$58,985
baseline
▲ 0.50% · 4.625%
HK$62,094
+HK$3,109/mo
Deposit HK$4.73M · loan HK$11.03M · min. income ≈ HK$117,970/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,676
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$2,044/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$4,182/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,951
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,881
−HK$1,957/mo
Today · 4.125%
HK$75,838
baseline
▲ 0.50% · 4.625%
HK$79,836
+HK$3,998/mo
Deposit HK$1.58M · loan HK$14.18M · min. income ≈ HK$151,676/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$590,903 · Scale 2, in force from 26 Feb 2026)