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$37,636
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,189/mo
Today · 4.125%
HK$39,996
baseline
▲ 0.50% · 4.625%
HK$42,430
+HK$2,434/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$79,992/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,870
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,139/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,458
+HK$2,326/mo
Deposit HK$8.25M · loan HK$8.25M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,163
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,427/mo
Today · 4.125%
HK$47,995
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$95,990/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,244
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,367/mo
Today · 4.125%
HK$52,958
baseline
▲ 0.50% · 4.625%
HK$55,750
+HK$2,792/mo
Deposit HK$6.60M · loan HK$9.90M · min. income ≈ HK$105,916/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,691
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,329
−HK$1,666/mo
Today · 4.125%
HK$55,995
baseline
▲ 0.50% · 4.625%
HK$59,402
+HK$3,407/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$111,990/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,618
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,595/mo
Today · 4.125%
HK$61,785
baseline
▲ 0.50% · 4.625%
HK$65,041
+HK$3,256/mo
Deposit HK$4.95M · loan HK$11.55M · min. income ≈ HK$123,570/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,745
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$69,852
−HK$2,141/mo
Today · 4.125%
HK$71,993
baseline
▲ 0.50% · 4.625%
HK$76,374
+HK$4,381/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$143,986/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,366
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$77,387
−HK$2,050/mo
Today · 4.125%
HK$79,437
baseline
▲ 0.50% · 4.625%
HK$83,625
+HK$4,188/mo
Deposit HK$1.65M · loan HK$14.85M · min. income ≈ HK$158,874/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,945 · Scale 2, in force from 26 Feb 2026)