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$36,069
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,191
−HK$1,139/mo
Today · 4.125%
HK$38,330
baseline
▲ 0.50% · 4.625%
HK$40,663
+HK$2,333/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$76,660/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,126
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,202
−HK$1,092/mo
Today · 4.125%
HK$42,294
baseline
▲ 0.50% · 4.625%
HK$44,523
+HK$2,229/mo
Deposit HK$7.91M · loan HK$7.91M · min. income ≈ HK$84,588/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,282
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,629
−HK$1,368/mo
Today · 4.125%
HK$45,997
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,798/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$91,994/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,151
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,443
−HK$1,310/mo
Today · 4.125%
HK$50,753
baseline
▲ 0.50% · 4.625%
HK$53,428
+HK$2,675/mo
Deposit HK$6.33M · loan HK$9.49M · min. income ≈ HK$101,506/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,496
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$52,067
−HK$1,596/mo
Today · 4.125%
HK$53,663
baseline
▲ 0.50% · 4.625%
HK$56,928
+HK$3,265/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$107,326/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,176
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$57,683
−HK$1,528/mo
Today · 4.125%
HK$59,211
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,122/mo
Deposit HK$4.75M · loan HK$11.07M · min. income ≈ HK$118,422/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,924
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,943
−HK$2,052/mo
Today · 4.125%
HK$68,995
baseline
▲ 0.50% · 4.625%
HK$73,193
+HK$4,198/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$137,990/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,227
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,164
−HK$1,965/mo
Today · 4.125%
HK$76,129
baseline
▲ 0.50% · 4.625%
HK$80,142
+HK$4,013/mo
Deposit HK$1.58M · loan HK$14.24M · min. income ≈ HK$152,258/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$593,168 · Scale 2, in force from 26 Feb 2026)