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$36,325
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,455
−HK$1,148/mo
Today · 4.125%
HK$38,603
baseline
▲ 0.50% · 4.625%
HK$40,952
+HK$2,349/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$77,206/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,411
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,495
−HK$1,100/mo
Today · 4.125%
HK$42,595
baseline
▲ 0.50% · 4.625%
HK$44,840
+HK$2,245/mo
Deposit HK$7.97M · loan HK$7.97M · min. income ≈ HK$85,190/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,590
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,946
−HK$1,378/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$49,142
+HK$2,818/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,794
−HK$1,320/mo
Today · 4.125%
HK$51,114
baseline
▲ 0.50% · 4.625%
HK$53,808
+HK$2,694/mo
Deposit HK$6.37M · loan HK$9.56M · min. income ≈ HK$102,228/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,855
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,607/mo
Today · 4.125%
HK$54,044
baseline
▲ 0.50% · 4.625%
HK$57,333
+HK$3,289/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$108,088/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,576
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$58,093
−HK$1,540/mo
Today · 4.125%
HK$59,633
baseline
▲ 0.50% · 4.625%
HK$62,776
+HK$3,143/mo
Deposit HK$4.78M · loan HK$11.15M · min. income ≈ HK$119,266/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,385
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,419
−HK$2,067/mo
Today · 4.125%
HK$69,486
baseline
▲ 0.50% · 4.625%
HK$73,714
+HK$4,228/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$138,972/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,740
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,691
−HK$1,979/mo
Today · 4.125%
HK$76,670
baseline
▲ 0.50% · 4.625%
HK$80,712
+HK$4,042/mo
Deposit HK$1.59M · loan HK$14.34M · min. income ≈ HK$153,340/mo (50% DSR)
Upfront cash ≈ HK$2.19M (deposit + AVD stamp duty HK$597,386 · Scale 2, in force from 26 Feb 2026)