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$38,496
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,693
−HK$1,217/mo
Today · 4.125%
HK$40,910
baseline
▲ 0.50% · 4.625%
HK$43,399
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,820/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,826
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,975
−HK$1,165/mo
Today · 4.125%
HK$45,140
baseline
▲ 0.50% · 4.625%
HK$47,520
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,280/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,195
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,632
−HK$1,460/mo
Today · 4.125%
HK$49,092
baseline
▲ 0.50% · 4.625%
HK$52,079
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,184/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,392
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,770
−HK$1,398/mo
Today · 4.125%
HK$54,168
baseline
▲ 0.50% · 4.625%
HK$57,023
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,336/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,894
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,571
−HK$1,703/mo
Today · 4.125%
HK$57,274
baseline
▲ 0.50% · 4.625%
HK$60,759
+HK$3,485/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,548/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,957
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,565
−HK$1,631/mo
Today · 4.125%
HK$63,196
baseline
▲ 0.50% · 4.625%
HK$66,527
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,392/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,293
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,448
−HK$2,190/mo
Today · 4.125%
HK$73,638
baseline
▲ 0.50% · 4.625%
HK$78,119
+HK$4,481/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,276/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,087
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,155
−HK$2,097/mo
Today · 4.125%
HK$81,252
baseline
▲ 0.50% · 4.625%
HK$85,535
+HK$4,283/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,504/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,086 · Scale 2, in force from 26 Feb 2026)