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$38,248
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,208/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,550
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,692
−HK$1,157/mo
Today · 4.125%
HK$44,849
baseline
▲ 0.50% · 4.625%
HK$47,213
+HK$2,364/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,698/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,898
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,325
−HK$1,451/mo
Today · 4.125%
HK$48,776
baseline
▲ 0.50% · 4.625%
HK$51,744
+HK$2,968/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,552/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,061
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,430
−HK$1,389/mo
Today · 4.125%
HK$53,819
baseline
▲ 0.50% · 4.625%
HK$56,656
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,638/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,547
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,213
−HK$1,692/mo
Today · 4.125%
HK$56,905
baseline
▲ 0.50% · 4.625%
HK$60,368
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,810/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,571
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,168
−HK$1,621/mo
Today · 4.125%
HK$62,789
baseline
▲ 0.50% · 4.625%
HK$66,099
+HK$3,310/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,578/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,846
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$70,988
−HK$2,176/mo
Today · 4.125%
HK$73,164
baseline
▲ 0.50% · 4.625%
HK$77,615
+HK$4,451/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,328/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,591
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,645
−HK$2,084/mo
Today · 4.125%
HK$80,729
baseline
▲ 0.50% · 4.625%
HK$84,984
+HK$4,255/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,458/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,007 · Scale 2, in force from 26 Feb 2026)