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$37,249
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,177/mo
Today · 4.125%
HK$39,585
baseline
▲ 0.50% · 4.625%
HK$41,994
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,170/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,439
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,551
−HK$1,127/mo
Today · 4.125%
HK$43,678
baseline
▲ 0.50% · 4.625%
HK$45,980
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,356/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,699
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,089
−HK$1,413/mo
Today · 4.125%
HK$47,502
baseline
▲ 0.50% · 4.625%
HK$50,392
+HK$2,890/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$95,004/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,727
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,061
−HK$1,353/mo
Today · 4.125%
HK$52,414
baseline
▲ 0.50% · 4.625%
HK$55,177
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,828/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,149
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$53,771
−HK$1,648/mo
Today · 4.125%
HK$55,419
baseline
▲ 0.50% · 4.625%
HK$58,791
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,838/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,015
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$59,571
−HK$1,578/mo
Today · 4.125%
HK$61,149
baseline
▲ 0.50% · 4.625%
HK$64,373
+HK$3,224/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,298/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,048
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$69,134
−HK$2,119/mo
Today · 4.125%
HK$71,253
baseline
▲ 0.50% · 4.625%
HK$75,589
+HK$4,336/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,506/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,591
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,591
−HK$2,030/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$82,765
+HK$4,144/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,582 · Scale 2, in force from 26 Feb 2026)