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$37,879
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,057
−HK$1,198/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,704
+HK$2,449/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,140
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,270
−HK$1,147/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,436/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$51,245
+HK$2,940/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,568
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,924
−HK$1,376/mo
Today · 4.125%
HK$53,300
baseline
▲ 0.50% · 4.625%
HK$56,110
+HK$2,810/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,600/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,680
−HK$1,676/mo
Today · 4.125%
HK$56,356
baseline
▲ 0.50% · 4.625%
HK$59,785
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,712/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,996
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,579
−HK$1,605/mo
Today · 4.125%
HK$62,184
baseline
▲ 0.50% · 4.625%
HK$65,461
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,368/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,182
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,303
−HK$2,155/mo
Today · 4.125%
HK$72,458
baseline
▲ 0.50% · 4.625%
HK$76,867
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,916/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,852
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,887
−HK$2,063/mo
Today · 4.125%
HK$79,950
baseline
▲ 0.50% · 4.625%
HK$84,165
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,900/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,943 · Scale 2, in force from 26 Feb 2026)