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$37,723
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,192/mo
Today · 4.125%
HK$40,088
baseline
▲ 0.50% · 4.625%
HK$42,528
+HK$2,440/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,176/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,966
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,142/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,267
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,675
−HK$1,431/mo
Today · 4.125%
HK$48,106
baseline
▲ 0.50% · 4.625%
HK$51,033
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,212/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,360
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,710
−HK$1,370/mo
Today · 4.125%
HK$53,080
baseline
▲ 0.50% · 4.625%
HK$55,878
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,160/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,812
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,455
−HK$1,669/mo
Today · 4.125%
HK$56,124
baseline
▲ 0.50% · 4.625%
HK$59,539
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,248/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,753
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,328
−HK$1,599/mo
Today · 4.125%
HK$61,927
baseline
▲ 0.50% · 4.625%
HK$65,191
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,854/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,901
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$70,013
−HK$2,146/mo
Today · 4.125%
HK$72,159
baseline
▲ 0.50% · 4.625%
HK$76,550
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,318/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,539
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,565
−HK$2,055/mo
Today · 4.125%
HK$79,620
baseline
▲ 0.50% · 4.625%
HK$83,817
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,240/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,372 · Scale 2, in force from 26 Feb 2026)