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$37,708
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,192/mo
Today · 4.125%
HK$40,073
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,146/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,141/mo
Today · 4.125%
HK$44,216
baseline
▲ 0.50% · 4.625%
HK$46,547
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,432/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,250
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,430/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$51,013
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,340
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,370/mo
Today · 4.125%
HK$53,060
baseline
▲ 0.50% · 4.625%
HK$55,857
+HK$2,797/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,120/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,791
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,434
−HK$1,668/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,516
+HK$3,414/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,730
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,305
−HK$1,598/mo
Today · 4.125%
HK$61,903
baseline
▲ 0.50% · 4.625%
HK$65,166
+HK$3,263/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,806/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,875
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,986
−HK$2,145/mo
Today · 4.125%
HK$72,131
baseline
▲ 0.50% · 4.625%
HK$76,520
+HK$4,389/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,262/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$77,535
−HK$2,055/mo
Today · 4.125%
HK$79,590
baseline
▲ 0.50% · 4.625%
HK$83,785
+HK$4,195/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,180/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,131 · Scale 2, in force from 26 Feb 2026)