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$36,158
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,283
−HK$1,143/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,338/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,304
−HK$1,095/mo
Today · 4.125%
HK$42,399
baseline
▲ 0.50% · 4.625%
HK$44,634
+HK$2,235/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,798/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,390
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,740
−HK$1,371/mo
Today · 4.125%
HK$46,111
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,806/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$92,222/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,271
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,565
−HK$1,314/mo
Today · 4.125%
HK$50,879
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$2,682/mo
Deposit HK$6.34M · loan HK$9.51M · min. income ≈ HK$101,758/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,622
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$52,196
−HK$1,600/mo
Today · 4.125%
HK$53,796
baseline
▲ 0.50% · 4.625%
HK$57,069
+HK$3,273/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$107,592/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,316
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,533/mo
Today · 4.125%
HK$59,359
baseline
▲ 0.50% · 4.625%
HK$62,487
+HK$3,128/mo
Deposit HK$4.76M · loan HK$11.10M · min. income ≈ HK$118,718/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,085
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,109
−HK$2,057/mo
Today · 4.125%
HK$69,166
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$4,209/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$138,332/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,406
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,348
−HK$1,970/mo
Today · 4.125%
HK$76,318
baseline
▲ 0.50% · 4.625%
HK$80,341
+HK$4,023/mo
Deposit HK$1.59M · loan HK$14.27M · min. income ≈ HK$152,636/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$594,641 · Scale 2, in force from 26 Feb 2026)