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$35,792
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,905
−HK$1,132/mo
Today · 4.125%
HK$38,037
baseline
▲ 0.50% · 4.625%
HK$40,351
+HK$2,314/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,074/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,084/mo
Today · 4.125%
HK$41,970
baseline
▲ 0.50% · 4.625%
HK$44,182
+HK$2,212/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,940/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,950
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,286
−HK$1,358/mo
Today · 4.125%
HK$45,644
baseline
▲ 0.50% · 4.625%
HK$48,421
+HK$2,777/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,288/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,782
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,063
−HK$1,300/mo
Today · 4.125%
HK$50,363
baseline
▲ 0.50% · 4.625%
HK$53,018
+HK$2,655/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,726/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,109
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,668
−HK$1,583/mo
Today · 4.125%
HK$53,251
baseline
▲ 0.50% · 4.625%
HK$56,491
+HK$3,240/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,502/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,746
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,241
−HK$1,516/mo
Today · 4.125%
HK$58,757
baseline
▲ 0.50% · 4.625%
HK$61,855
+HK$3,098/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,514/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,426
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,430
−HK$2,036/mo
Today · 4.125%
HK$68,466
baseline
▲ 0.50% · 4.625%
HK$72,632
+HK$4,166/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$136,932/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,673
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,595
−HK$1,950/mo
Today · 4.125%
HK$75,545
baseline
▲ 0.50% · 4.625%
HK$79,527
+HK$3,982/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,090/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,619 · Scale 2, in force from 26 Feb 2026)