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$36,219
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$1,144/mo
Today · 4.125%
HK$38,490
baseline
▲ 0.50% · 4.625%
HK$40,832
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,980/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,293
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,096/mo
Today · 4.125%
HK$42,470
baseline
▲ 0.50% · 4.625%
HK$44,709
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,940/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,463
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,815
−HK$1,373/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,999
+HK$2,811/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,352
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,649
−HK$1,315/mo
Today · 4.125%
HK$50,964
baseline
▲ 0.50% · 4.625%
HK$53,651
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,928/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,707
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,284
−HK$1,602/mo
Today · 4.125%
HK$53,886
baseline
▲ 0.50% · 4.625%
HK$57,165
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,772/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,924
−HK$1,534/mo
Today · 4.125%
HK$59,458
baseline
▲ 0.50% · 4.625%
HK$62,592
+HK$3,134/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,916/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,194
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,222
−HK$2,060/mo
Today · 4.125%
HK$69,282
baseline
▲ 0.50% · 4.625%
HK$73,498
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,564/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,528
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,473
−HK$1,973/mo
Today · 4.125%
HK$76,446
baseline
▲ 0.50% · 4.625%
HK$80,476
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,892/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,641 · Scale 2, in force from 26 Feb 2026)