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$37,860
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,038
−HK$1,196/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,682
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,119
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,248
−HK$1,146/mo
Today · 4.125%
HK$44,394
baseline
▲ 0.50% · 4.625%
HK$46,734
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,788/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,432
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,436/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$51,219
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,543
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,375/mo
Today · 4.125%
HK$53,273
baseline
▲ 0.50% · 4.625%
HK$56,081
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,546/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,004
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,653
−HK$1,675/mo
Today · 4.125%
HK$56,328
baseline
▲ 0.50% · 4.625%
HK$59,755
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,656/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,966
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,548
−HK$1,604/mo
Today · 4.125%
HK$62,152
baseline
▲ 0.50% · 4.625%
HK$65,428
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,304/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,148
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,268
−HK$2,153/mo
Today · 4.125%
HK$72,421
baseline
▲ 0.50% · 4.625%
HK$76,828
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,842/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,814
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,847
−HK$2,063/mo
Today · 4.125%
HK$79,910
baseline
▲ 0.50% · 4.625%
HK$84,122
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,820/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,626 · Scale 2, in force from 26 Feb 2026)