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$37,653
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,190/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,449
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,889
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,012
−HK$1,140/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,479
+HK$2,327/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,184
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,589
−HK$1,428/mo
Today · 4.125%
HK$48,017
baseline
▲ 0.50% · 4.625%
HK$50,939
+HK$2,922/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,034/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,267
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,615
−HK$1,367/mo
Today · 4.125%
HK$52,982
baseline
▲ 0.50% · 4.625%
HK$55,775
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$105,964/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,354
−HK$1,666/mo
Today · 4.125%
HK$56,020
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$3,409/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,040/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,644
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,217
−HK$1,596/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,071
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,776
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$69,884
−HK$2,142/mo
Today · 4.125%
HK$72,026
baseline
▲ 0.50% · 4.625%
HK$76,409
+HK$4,383/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,052/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,400
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$77,422
−HK$2,052/mo
Today · 4.125%
HK$79,474
baseline
▲ 0.50% · 4.625%
HK$83,663
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,948/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,228 · Scale 2, in force from 26 Feb 2026)