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$37,113
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,267
−HK$1,173/mo
Today · 4.125%
HK$39,440
baseline
▲ 0.50% · 4.625%
HK$41,840
+HK$2,400/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,880/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,288
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,395
−HK$1,124/mo
Today · 4.125%
HK$43,519
baseline
▲ 0.50% · 4.625%
HK$45,812
+HK$2,293/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,038/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,921
−HK$1,407/mo
Today · 4.125%
HK$47,328
baseline
▲ 0.50% · 4.625%
HK$50,208
+HK$2,880/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,656/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,545
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,348/mo
Today · 4.125%
HK$52,222
baseline
▲ 0.50% · 4.625%
HK$54,975
+HK$2,753/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,444/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,958
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$53,574
−HK$1,643/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,576
+HK$3,359/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,803
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$59,353
−HK$1,573/mo
Today · 4.125%
HK$60,926
baseline
▲ 0.50% · 4.625%
HK$64,137
+HK$3,211/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,852/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,804
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,881
−HK$2,112/mo
Today · 4.125%
HK$70,993
baseline
▲ 0.50% · 4.625%
HK$75,312
+HK$4,319/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$141,986/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,318
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,311
−HK$2,022/mo
Today · 4.125%
HK$78,333
baseline
▲ 0.50% · 4.625%
HK$82,462
+HK$4,129/mo
Deposit HK$1.63M · loan HK$14.65M · min. income ≈ HK$156,666/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,344 · Scale 2, in force from 26 Feb 2026)