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$37,311
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,179/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,413/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,129/mo
Today · 4.125%
HK$43,751
baseline
▲ 0.50% · 4.625%
HK$46,057
+HK$2,306/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,502/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,166
−HK$1,415/mo
Today · 4.125%
HK$47,581
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,896/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,162/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,810
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,146
−HK$1,355/mo
Today · 4.125%
HK$52,501
baseline
▲ 0.50% · 4.625%
HK$55,269
+HK$2,768/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,002/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,236
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$53,861
−HK$1,651/mo
Today · 4.125%
HK$55,512
baseline
▲ 0.50% · 4.625%
HK$58,889
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$111,024/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,112
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$59,670
−HK$1,582/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,480
+HK$3,228/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,504/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,160
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,250
−HK$2,122/mo
Today · 4.125%
HK$71,372
baseline
▲ 0.50% · 4.625%
HK$75,715
+HK$4,343/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$142,744/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,715
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,719
−HK$2,033/mo
Today · 4.125%
HK$78,752
baseline
▲ 0.50% · 4.625%
HK$82,903
+HK$4,151/mo
Deposit HK$1.64M · loan HK$14.73M · min. income ≈ HK$157,504/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,605 · Scale 2, in force from 26 Feb 2026)