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$37,296
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,456
−HK$1,178/mo
Today · 4.125%
HK$39,634
baseline
▲ 0.50% · 4.625%
HK$42,046
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,268/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,491
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,604
−HK$1,129/mo
Today · 4.125%
HK$43,733
baseline
▲ 0.50% · 4.625%
HK$46,038
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,466/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,755
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,147
−HK$1,414/mo
Today · 4.125%
HK$47,561
baseline
▲ 0.50% · 4.625%
HK$50,455
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,122/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,789
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,125
−HK$1,354/mo
Today · 4.125%
HK$52,479
baseline
▲ 0.50% · 4.625%
HK$55,245
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,958/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,214
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,838
−HK$1,650/mo
Today · 4.125%
HK$55,488
baseline
▲ 0.50% · 4.625%
HK$58,865
+HK$3,377/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,976/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,087
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$59,645
−HK$1,581/mo
Today · 4.125%
HK$61,226
baseline
▲ 0.50% · 4.625%
HK$64,453
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,452/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,132
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$69,220
−HK$2,122/mo
Today · 4.125%
HK$71,342
baseline
▲ 0.50% · 4.625%
HK$75,683
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,684/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,684
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,687
−HK$2,032/mo
Today · 4.125%
HK$78,719
baseline
▲ 0.50% · 4.625%
HK$82,868
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,438/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,347 · Scale 2, in force from 26 Feb 2026)