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$38,350
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,543
−HK$1,212/mo
Today · 4.125%
HK$40,755
baseline
▲ 0.50% · 4.625%
HK$43,235
+HK$2,480/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,510/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,664
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,808
−HK$1,161/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,339
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,020
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,451
−HK$1,455/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,882
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,197
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$52,570
−HK$1,393/mo
Today · 4.125%
HK$53,963
baseline
▲ 0.50% · 4.625%
HK$56,807
+HK$2,844/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,926/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,690
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,360
−HK$1,697/mo
Today · 4.125%
HK$57,057
baseline
▲ 0.50% · 4.625%
HK$60,529
+HK$3,472/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$114,114/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,730
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,332
−HK$1,625/mo
Today · 4.125%
HK$62,957
baseline
▲ 0.50% · 4.625%
HK$66,275
+HK$3,318/mo
Deposit HK$5.05M · loan HK$11.77M · min. income ≈ HK$125,914/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,177
−HK$2,182/mo
Today · 4.125%
HK$73,359
baseline
▲ 0.50% · 4.625%
HK$77,823
+HK$4,464/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,718/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,795
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,855
−HK$2,089/mo
Today · 4.125%
HK$80,944
baseline
▲ 0.50% · 4.625%
HK$85,211
+HK$4,267/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,888/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,686 · Scale 2, in force from 26 Feb 2026)