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$36,205
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,331
−HK$1,144/mo
Today · 4.125%
HK$38,475
baseline
▲ 0.50% · 4.625%
HK$40,816
+HK$2,341/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,950/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,278
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,358
−HK$1,096/mo
Today · 4.125%
HK$42,454
baseline
▲ 0.50% · 4.625%
HK$44,691
+HK$2,237/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,908/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,446
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,797
−HK$1,373/mo
Today · 4.125%
HK$46,170
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,810/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,340/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,333
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,629
−HK$1,315/mo
Today · 4.125%
HK$50,944
baseline
▲ 0.50% · 4.625%
HK$53,630
+HK$2,686/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,888/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,687
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$52,263
−HK$1,602/mo
Today · 4.125%
HK$53,865
baseline
▲ 0.50% · 4.625%
HK$57,143
+HK$3,278/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,730/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$57,901
−HK$1,534/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$62,568
+HK$3,133/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,169
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,196
−HK$2,059/mo
Today · 4.125%
HK$69,255
baseline
▲ 0.50% · 4.625%
HK$73,469
+HK$4,214/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$138,510/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,500
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,444
−HK$1,973/mo
Today · 4.125%
HK$76,417
baseline
▲ 0.50% · 4.625%
HK$80,445
+HK$4,028/mo
Deposit HK$1.59M · loan HK$14.29M · min. income ≈ HK$152,834/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,408 · Scale 2, in force from 26 Feb 2026)