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$38,173
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,360
−HK$1,206/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$43,035
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,467
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$43,606
−HK$1,155/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,120
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,448/mo
Today · 4.125%
HK$48,680
baseline
▲ 0.50% · 4.625%
HK$51,642
+HK$2,962/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$97,360/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,960
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,327
−HK$1,386/mo
Today · 4.125%
HK$53,713
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$2,831/mo
Deposit HK$6.70M · loan HK$10.04M · min. income ≈ HK$107,426/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,442
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,104
−HK$1,689/mo
Today · 4.125%
HK$56,793
baseline
▲ 0.50% · 4.625%
HK$60,249
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,586/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,453
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,048
−HK$1,617/mo
Today · 4.125%
HK$62,665
baseline
▲ 0.50% · 4.625%
HK$65,968
+HK$3,303/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,330/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,711
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,848
−HK$2,171/mo
Today · 4.125%
HK$73,019
baseline
▲ 0.50% · 4.625%
HK$77,462
+HK$4,443/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,038/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,440
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,490
−HK$2,080/mo
Today · 4.125%
HK$80,570
baseline
▲ 0.50% · 4.625%
HK$84,817
+HK$4,247/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,140/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,768 · Scale 2, in force from 26 Feb 2026)