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$37,454
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,619
−HK$1,184/mo
Today · 4.125%
HK$39,803
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,421/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,606/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,785
−HK$1,133/mo
Today · 4.125%
HK$43,918
baseline
▲ 0.50% · 4.625%
HK$46,233
+HK$2,315/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,836/mo (50% DSR)
Upfront cash ≈ HK$8.83M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,945
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,420/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,669
+HK$2,906/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,000
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,361/mo
Today · 4.125%
HK$52,702
baseline
▲ 0.50% · 4.625%
HK$55,480
+HK$2,778/mo
Deposit HK$6.57M · loan HK$9.86M · min. income ≈ HK$105,404/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,435
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$54,066
−HK$1,658/mo
Today · 4.125%
HK$55,724
baseline
▲ 0.50% · 4.625%
HK$59,114
+HK$3,390/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$111,448/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,334
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,898
−HK$1,587/mo
Today · 4.125%
HK$61,485
baseline
▲ 0.50% · 4.625%
HK$64,726
+HK$3,241/mo
Deposit HK$4.93M · loan HK$11.50M · min. income ≈ HK$122,970/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,417
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,514
−HK$2,131/mo
Today · 4.125%
HK$71,645
baseline
▲ 0.50% · 4.625%
HK$76,004
+HK$4,359/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$143,290/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,001
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,012
−HK$2,041/mo
Today · 4.125%
HK$79,053
baseline
▲ 0.50% · 4.625%
HK$83,220
+HK$4,167/mo
Deposit HK$1.64M · loan HK$14.78M · min. income ≈ HK$158,106/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,948 · Scale 2, in force from 26 Feb 2026)