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$36,269
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,397
−HK$1,146/mo
Today · 4.125%
HK$38,543
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,346/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$77,086/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,349
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,431
−HK$1,098/mo
Today · 4.125%
HK$42,529
baseline
▲ 0.50% · 4.625%
HK$44,770
+HK$2,241/mo
Deposit HK$7.95M · loan HK$7.95M · min. income ≈ HK$85,058/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,523
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,876
−HK$1,376/mo
Today · 4.125%
HK$46,252
baseline
▲ 0.50% · 4.625%
HK$49,066
+HK$2,814/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$92,504/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,419
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,717
−HK$1,317/mo
Today · 4.125%
HK$51,034
baseline
▲ 0.50% · 4.625%
HK$53,725
+HK$2,691/mo
Deposit HK$6.36M · loan HK$9.54M · min. income ≈ HK$102,068/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,776
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,356
−HK$1,605/mo
Today · 4.125%
HK$53,961
baseline
▲ 0.50% · 4.625%
HK$57,244
+HK$3,283/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$107,922/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,488
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,003
−HK$1,537/mo
Today · 4.125%
HK$59,540
baseline
▲ 0.50% · 4.625%
HK$62,679
+HK$3,139/mo
Deposit HK$4.77M · loan HK$11.13M · min. income ≈ HK$119,080/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,284
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,315
−HK$2,063/mo
Today · 4.125%
HK$69,378
baseline
▲ 0.50% · 4.625%
HK$73,599
+HK$4,221/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$138,756/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,628
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,576
−HK$1,976/mo
Today · 4.125%
HK$76,552
baseline
▲ 0.50% · 4.625%
HK$80,587
+HK$4,035/mo
Deposit HK$1.59M · loan HK$14.32M · min. income ≈ HK$153,104/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$596,461 · Scale 2, in force from 26 Feb 2026)