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$36,218
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,345
−HK$1,144/mo
Today · 4.125%
HK$38,489
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,342/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$76,978/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,292
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,373
−HK$1,096/mo
Today · 4.125%
HK$42,469
baseline
▲ 0.50% · 4.625%
HK$44,708
+HK$2,239/mo
Deposit HK$7.94M · loan HK$7.94M · min. income ≈ HK$84,938/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,373/mo
Today · 4.125%
HK$46,187
baseline
▲ 0.50% · 4.625%
HK$48,998
+HK$2,811/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$92,374/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,648
−HK$1,315/mo
Today · 4.125%
HK$50,963
baseline
▲ 0.50% · 4.625%
HK$53,650
+HK$2,687/mo
Deposit HK$6.35M · loan HK$9.53M · min. income ≈ HK$101,926/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,706
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,283
−HK$1,602/mo
Today · 4.125%
HK$53,885
baseline
▲ 0.50% · 4.625%
HK$57,164
+HK$3,279/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$107,770/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,409
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$57,922
−HK$1,535/mo
Today · 4.125%
HK$59,457
baseline
▲ 0.50% · 4.625%
HK$62,591
+HK$3,134/mo
Deposit HK$4.77M · loan HK$11.12M · min. income ≈ HK$118,914/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,193
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,221
−HK$2,060/mo
Today · 4.125%
HK$69,281
baseline
▲ 0.50% · 4.625%
HK$73,497
+HK$4,216/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$138,562/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,526
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,472
−HK$1,973/mo
Today · 4.125%
HK$76,445
baseline
▲ 0.50% · 4.625%
HK$80,474
+HK$4,029/mo
Deposit HK$1.59M · loan HK$14.30M · min. income ≈ HK$152,890/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,629 · Scale 2, in force from 26 Feb 2026)