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$35,828
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,942
−HK$1,132/mo
Today · 4.125%
HK$38,074
baseline
▲ 0.50% · 4.625%
HK$40,391
+HK$2,317/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$76,148/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,858
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,084/mo
Today · 4.125%
HK$42,011
baseline
▲ 0.50% · 4.625%
HK$44,226
+HK$2,215/mo
Deposit HK$7.86M · loan HK$7.86M · min. income ≈ HK$84,022/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,993
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,331
−HK$1,358/mo
Today · 4.125%
HK$45,689
baseline
▲ 0.50% · 4.625%
HK$48,469
+HK$2,780/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$91,378/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,830
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,112
−HK$1,302/mo
Today · 4.125%
HK$50,414
baseline
▲ 0.50% · 4.625%
HK$53,071
+HK$2,657/mo
Deposit HK$6.28M · loan HK$9.43M · min. income ≈ HK$100,828/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,159
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,719
−HK$1,585/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,548
+HK$3,244/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,801
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,298
−HK$1,518/mo
Today · 4.125%
HK$58,816
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,100/mo
Deposit HK$4.71M · loan HK$11.00M · min. income ≈ HK$117,632/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,490
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,496
−HK$2,038/mo
Today · 4.125%
HK$68,534
baseline
▲ 0.50% · 4.625%
HK$72,704
+HK$4,170/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$137,068/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,744
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,669
−HK$1,952/mo
Today · 4.125%
HK$75,621
baseline
▲ 0.50% · 4.625%
HK$79,607
+HK$3,986/mo
Deposit HK$1.57M · loan HK$14.14M · min. income ≈ HK$151,242/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$589,206 · Scale 2, in force from 26 Feb 2026)