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$37,961
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,142
−HK$1,200/mo
Today · 4.125%
HK$40,342
baseline
▲ 0.50% · 4.625%
HK$42,796
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,684/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,231
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,364
−HK$1,149/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,553
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,440/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$51,355
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,678
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,037
−HK$1,379/mo
Today · 4.125%
HK$53,416
baseline
▲ 0.50% · 4.625%
HK$56,231
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,832/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,145
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,799
−HK$1,679/mo
Today · 4.125%
HK$56,478
baseline
▲ 0.50% · 4.625%
HK$59,915
+HK$3,437/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,956/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,124
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,709
−HK$1,609/mo
Today · 4.125%
HK$62,318
baseline
▲ 0.50% · 4.625%
HK$65,603
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,636/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,330
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,455
−HK$2,160/mo
Today · 4.125%
HK$72,615
baseline
▲ 0.50% · 4.625%
HK$77,033
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,230/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,016
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,055
−HK$2,068/mo
Today · 4.125%
HK$80,123
baseline
▲ 0.50% · 4.625%
HK$84,347
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,246/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,290 · Scale 2, in force from 26 Feb 2026)