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$35,880
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$1,134/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,320/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,916
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,987
−HK$1,086/mo
Today · 4.125%
HK$42,073
baseline
▲ 0.50% · 4.625%
HK$44,290
+HK$2,217/mo
Deposit HK$7.87M · loan HK$7.87M · min. income ≈ HK$84,146/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,056
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,361/mo
Today · 4.125%
HK$45,756
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,784/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$91,512/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,184
−HK$1,303/mo
Today · 4.125%
HK$50,487
baseline
▲ 0.50% · 4.625%
HK$53,148
+HK$2,661/mo
Deposit HK$6.29M · loan HK$9.44M · min. income ≈ HK$100,974/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,232
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,588/mo
Today · 4.125%
HK$53,382
baseline
▲ 0.50% · 4.625%
HK$56,630
+HK$3,248/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$106,764/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,882
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$57,381
−HK$1,521/mo
Today · 4.125%
HK$58,902
baseline
▲ 0.50% · 4.625%
HK$62,006
+HK$3,104/mo
Deposit HK$4.72M · loan HK$11.01M · min. income ≈ HK$117,804/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,584
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,593
−HK$2,041/mo
Today · 4.125%
HK$68,634
baseline
▲ 0.50% · 4.625%
HK$72,810
+HK$4,176/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$137,268/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,849
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,776
−HK$1,955/mo
Today · 4.125%
HK$75,731
baseline
▲ 0.50% · 4.625%
HK$79,722
+HK$3,991/mo
Deposit HK$1.57M · loan HK$14.16M · min. income ≈ HK$151,462/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$590,064 · Scale 2, in force from 26 Feb 2026)