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$38,113
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,205/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,967
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,400
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,154/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,046
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,735
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,158
−HK$1,445/mo
Today · 4.125%
HK$48,603
baseline
▲ 0.50% · 4.625%
HK$51,560
+HK$2,957/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,206/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,880
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,244
−HK$1,385/mo
Today · 4.125%
HK$53,629
baseline
▲ 0.50% · 4.625%
HK$56,456
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,258/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,358
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,017
−HK$1,687/mo
Today · 4.125%
HK$56,704
baseline
▲ 0.50% · 4.625%
HK$60,154
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,408/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,360
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,952
−HK$1,615/mo
Today · 4.125%
HK$62,567
baseline
▲ 0.50% · 4.625%
HK$65,865
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,134/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,603
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,737
−HK$2,168/mo
Today · 4.125%
HK$72,905
baseline
▲ 0.50% · 4.625%
HK$77,341
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,810/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,320
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,367
−HK$2,076/mo
Today · 4.125%
HK$80,443
baseline
▲ 0.50% · 4.625%
HK$84,683
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,886/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,782 · Scale 2, in force from 26 Feb 2026)