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$37,595
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,765
−HK$1,188/mo
Today · 4.125%
HK$39,953
baseline
▲ 0.50% · 4.625%
HK$42,384
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,906/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,824
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,138/mo
Today · 4.125%
HK$44,084
baseline
▲ 0.50% · 4.625%
HK$46,408
+HK$2,324/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,168/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,114
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,518
−HK$1,425/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,861
+HK$2,918/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,189
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$51,535
−HK$1,366/mo
Today · 4.125%
HK$52,901
baseline
▲ 0.50% · 4.625%
HK$55,689
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,802/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,633
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$54,271
−HK$1,663/mo
Today · 4.125%
HK$55,934
baseline
▲ 0.50% · 4.625%
HK$59,337
+HK$3,403/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,868/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,554
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,124
−HK$1,594/mo
Today · 4.125%
HK$61,718
baseline
▲ 0.50% · 4.625%
HK$64,971
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,436/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,671
−HK$4,244/mo
▼ 0.25% · 3.875%
HK$69,776
−HK$2,139/mo
Today · 4.125%
HK$71,915
baseline
▲ 0.50% · 4.625%
HK$76,291
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,830/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,284
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,048/mo
Today · 4.125%
HK$79,351
baseline
▲ 0.50% · 4.625%
HK$83,534
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,702/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,274 · Scale 2, in force from 26 Feb 2026)