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$36,222
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,348
−HK$1,145/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,835
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,096/mo
Today · 4.125%
HK$42,473
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,946/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,466
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,818
−HK$1,374/mo
Today · 4.125%
HK$46,192
baseline
▲ 0.50% · 4.625%
HK$49,002
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,384/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,355
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,652
−HK$1,316/mo
Today · 4.125%
HK$50,968
baseline
▲ 0.50% · 4.625%
HK$53,655
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,936/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,710
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,288
−HK$1,602/mo
Today · 4.125%
HK$53,890
baseline
▲ 0.50% · 4.625%
HK$57,169
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,780/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,415
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,928
−HK$1,535/mo
Today · 4.125%
HK$59,463
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,134/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,926/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,199
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,227
−HK$2,060/mo
Today · 4.125%
HK$69,287
baseline
▲ 0.50% · 4.625%
HK$73,503
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,574/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,533
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,478
−HK$1,974/mo
Today · 4.125%
HK$76,452
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,030/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,904/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,684 · Scale 2, in force from 26 Feb 2026)