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$36,427
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$1,152/mo
Today · 4.125%
HK$38,712
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,355/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,424/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,525
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,103/mo
Today · 4.125%
HK$42,715
baseline
▲ 0.50% · 4.625%
HK$44,966
+HK$2,251/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,430/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,713
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,381/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$49,281
+HK$2,827/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,630
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,323/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$53,959
+HK$2,702/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,998
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$52,585
−HK$1,611/mo
Today · 4.125%
HK$54,196
baseline
▲ 0.50% · 4.625%
HK$57,494
+HK$3,298/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$108,392/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,735
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$58,257
−HK$1,543/mo
Today · 4.125%
HK$59,800
baseline
▲ 0.50% · 4.625%
HK$62,952
+HK$3,152/mo
Deposit HK$4.79M · loan HK$11.18M · min. income ≈ HK$119,600/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,569
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,609
−HK$2,072/mo
Today · 4.125%
HK$69,681
baseline
▲ 0.50% · 4.625%
HK$73,921
+HK$4,240/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,362/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,945
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,901
−HK$1,985/mo
Today · 4.125%
HK$76,886
baseline
▲ 0.50% · 4.625%
HK$80,939
+HK$4,053/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,772/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,067 · Scale 2, in force from 26 Feb 2026)