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$37,094
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,248
−HK$1,172/mo
Today · 4.125%
HK$39,420
baseline
▲ 0.50% · 4.625%
HK$41,818
+HK$2,398/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$78,840/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,266
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,373
−HK$1,123/mo
Today · 4.125%
HK$43,496
baseline
▲ 0.50% · 4.625%
HK$45,789
+HK$2,293/mo
Deposit HK$8.13M · loan HK$8.13M · min. income ≈ HK$86,992/mo (50% DSR)
Upfront cash ≈ HK$8.74M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,897
−HK$1,407/mo
Today · 4.125%
HK$47,304
baseline
▲ 0.50% · 4.625%
HK$50,182
+HK$2,878/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$94,608/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,520
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,848
−HK$1,347/mo
Today · 4.125%
HK$52,195
baseline
▲ 0.50% · 4.625%
HK$54,946
+HK$2,751/mo
Deposit HK$6.51M · loan HK$9.76M · min. income ≈ HK$104,390/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,931
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$53,547
−HK$1,641/mo
Today · 4.125%
HK$55,188
baseline
▲ 0.50% · 4.625%
HK$58,546
+HK$3,358/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$110,376/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,773
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,572/mo
Today · 4.125%
HK$60,894
baseline
▲ 0.50% · 4.625%
HK$64,104
+HK$3,210/mo
Deposit HK$4.88M · loan HK$11.39M · min. income ≈ HK$121,788/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,769
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$68,846
−HK$2,110/mo
Today · 4.125%
HK$70,956
baseline
▲ 0.50% · 4.625%
HK$75,273
+HK$4,317/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$141,912/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,280
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$76,272
−HK$2,021/mo
Today · 4.125%
HK$78,293
baseline
▲ 0.50% · 4.625%
HK$82,420
+HK$4,127/mo
Deposit HK$1.63M · loan HK$14.64M · min. income ≈ HK$156,586/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,026 · Scale 2, in force from 26 Feb 2026)