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$36,444
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,578
−HK$1,152/mo
Today · 4.125%
HK$38,730
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,356/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$77,460/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,544
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,103/mo
Today · 4.125%
HK$42,734
baseline
▲ 0.50% · 4.625%
HK$44,987
+HK$2,253/mo
Deposit HK$7.99M · loan HK$7.99M · min. income ≈ HK$85,468/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,733
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,382/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$49,304
+HK$2,828/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,958
−HK$1,323/mo
Today · 4.125%
HK$51,281
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$2,703/mo
Deposit HK$6.39M · loan HK$9.59M · min. income ≈ HK$102,562/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,022
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$52,609
−HK$1,613/mo
Today · 4.125%
HK$54,222
baseline
▲ 0.50% · 4.625%
HK$57,521
+HK$3,299/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$108,444/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,762
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$58,284
−HK$1,544/mo
Today · 4.125%
HK$59,828
baseline
▲ 0.50% · 4.625%
HK$62,982
+HK$3,154/mo
Deposit HK$4.79M · loan HK$11.19M · min. income ≈ HK$119,656/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,600
−HK$4,114/mo
▼ 0.25% · 3.875%
HK$67,640
−HK$2,074/mo
Today · 4.125%
HK$69,714
baseline
▲ 0.50% · 4.625%
HK$73,956
+HK$4,242/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$139,428/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,979
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,937
−HK$1,985/mo
Today · 4.125%
HK$76,922
baseline
▲ 0.50% · 4.625%
HK$80,977
+HK$4,055/mo
Deposit HK$1.60M · loan HK$14.38M · min. income ≈ HK$153,844/mo (50% DSR)
Upfront cash ≈ HK$2.20M (deposit + AVD stamp duty HK$599,347 · Scale 2, in force from 26 Feb 2026)