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$35,811
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,925
−HK$1,132/mo
Today · 4.125%
HK$38,057
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,315/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$76,114/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,908
−HK$1,084/mo
Today · 4.125%
HK$41,992
baseline
▲ 0.50% · 4.625%
HK$44,205
+HK$2,213/mo
Deposit HK$7.85M · loan HK$7.85M · min. income ≈ HK$83,984/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,310
−HK$1,358/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,447
+HK$2,779/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,807
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,300/mo
Today · 4.125%
HK$50,390
baseline
▲ 0.50% · 4.625%
HK$53,046
+HK$2,656/mo
Deposit HK$6.28M · loan HK$9.42M · min. income ≈ HK$100,780/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,136
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,695
−HK$1,585/mo
Today · 4.125%
HK$53,280
baseline
▲ 0.50% · 4.625%
HK$56,521
+HK$3,241/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$106,560/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,775
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,271
−HK$1,518/mo
Today · 4.125%
HK$58,789
baseline
▲ 0.50% · 4.625%
HK$61,888
+HK$3,099/mo
Deposit HK$4.71M · loan HK$10.99M · min. income ≈ HK$117,578/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,460
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,465
−HK$2,037/mo
Today · 4.125%
HK$68,502
baseline
▲ 0.50% · 4.625%
HK$72,670
+HK$4,168/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$137,004/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,711
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,634
−HK$1,951/mo
Today · 4.125%
HK$75,585
baseline
▲ 0.50% · 4.625%
HK$79,570
+HK$3,985/mo
Deposit HK$1.57M · loan HK$14.13M · min. income ≈ HK$151,170/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$588,933 · Scale 2, in force from 26 Feb 2026)