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$38,151
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,205/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$43,010
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,443
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,581
−HK$1,155/mo
Today · 4.125%
HK$44,736
baseline
▲ 0.50% · 4.625%
HK$47,094
+HK$2,358/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,472/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,781
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,205
−HK$1,447/mo
Today · 4.125%
HK$48,652
baseline
▲ 0.50% · 4.625%
HK$51,612
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,304/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,931
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,297
−HK$1,386/mo
Today · 4.125%
HK$53,683
baseline
▲ 0.50% · 4.625%
HK$56,512
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,366/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,411
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,073
−HK$1,688/mo
Today · 4.125%
HK$56,761
baseline
▲ 0.50% · 4.625%
HK$60,215
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,522/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,420
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,013
−HK$1,617/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$65,931
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,672
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$2,170/mo
Today · 4.125%
HK$72,978
baseline
▲ 0.50% · 4.625%
HK$77,419
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,956/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,397
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,446
−HK$2,078/mo
Today · 4.125%
HK$80,524
baseline
▲ 0.50% · 4.625%
HK$84,769
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,048/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,414 · Scale 2, in force from 26 Feb 2026)