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$38,160
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,206/mo
Today · 4.125%
HK$40,553
baseline
▲ 0.50% · 4.625%
HK$43,021
+HK$2,468/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,106/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,453
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,155/mo
Today · 4.125%
HK$44,746
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,492/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,792
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,216
−HK$1,448/mo
Today · 4.125%
HK$48,664
baseline
▲ 0.50% · 4.625%
HK$51,625
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,328/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,943
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,310
−HK$1,386/mo
Today · 4.125%
HK$53,696
baseline
▲ 0.50% · 4.625%
HK$56,526
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,392/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,424
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,086
−HK$1,688/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$60,229
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,434
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,028
−HK$1,617/mo
Today · 4.125%
HK$62,645
baseline
▲ 0.50% · 4.625%
HK$65,947
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,290/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,688
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,825
−HK$2,170/mo
Today · 4.125%
HK$72,995
baseline
▲ 0.50% · 4.625%
HK$77,437
+HK$4,442/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,990/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,415
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,464
−HK$2,079/mo
Today · 4.125%
HK$80,543
baseline
▲ 0.50% · 4.625%
HK$84,789
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,086/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,563 · Scale 2, in force from 26 Feb 2026)