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$38,230
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,420
−HK$1,208/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$43,100
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,672
−HK$1,157/mo
Today · 4.125%
HK$44,829
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,363/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,658/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,876
−HK$2,877/mo
▼ 0.25% · 3.875%
HK$47,303
−HK$1,450/mo
Today · 4.125%
HK$48,753
baseline
▲ 0.50% · 4.625%
HK$51,720
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,506/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,037
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,406
−HK$1,388/mo
Today · 4.125%
HK$53,794
baseline
▲ 0.50% · 4.625%
HK$56,630
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,588/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,522
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,187
−HK$1,692/mo
Today · 4.125%
HK$56,879
baseline
▲ 0.50% · 4.625%
HK$60,340
+HK$3,461/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,758/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,543
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,140
−HK$1,620/mo
Today · 4.125%
HK$62,760
baseline
▲ 0.50% · 4.625%
HK$66,068
+HK$3,308/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,520/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,815
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,955
−HK$2,175/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$77,580
+HK$4,450/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,556
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,609
−HK$2,083/mo
Today · 4.125%
HK$80,692
baseline
▲ 0.50% · 4.625%
HK$84,945
+HK$4,253/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,384/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,718 · Scale 2, in force from 26 Feb 2026)