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$36,079
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,201
−HK$1,140/mo
Today · 4.125%
HK$38,341
baseline
▲ 0.50% · 4.625%
HK$40,674
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,682/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,137
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,092/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,536
+HK$2,230/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,294
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,641
−HK$1,368/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,800/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,164
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,456
−HK$1,311/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,443
+HK$2,676/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,510
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,081
−HK$1,596/mo
Today · 4.125%
HK$53,677
baseline
▲ 0.50% · 4.625%
HK$56,944
+HK$3,267/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$107,354/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,192
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,699
−HK$1,529/mo
Today · 4.125%
HK$59,228
baseline
▲ 0.50% · 4.625%
HK$62,350
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.08M · min. income ≈ HK$118,456/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,941
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,961
−HK$2,053/mo
Today · 4.125%
HK$69,014
baseline
▲ 0.50% · 4.625%
HK$73,213
+HK$4,199/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$138,028/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,247
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,184
−HK$1,966/mo
Today · 4.125%
HK$76,150
baseline
▲ 0.50% · 4.625%
HK$80,164
+HK$4,014/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,300/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$593,331 · Scale 2, in force from 26 Feb 2026)