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$37,825
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,002
−HK$1,195/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,643
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,080
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,209
−HK$1,145/mo
Today · 4.125%
HK$44,354
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,708/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,390
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,802
−HK$1,435/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$51,172
+HK$2,935/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,496
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,851
−HK$1,374/mo
Today · 4.125%
HK$53,225
baseline
▲ 0.50% · 4.625%
HK$56,030
+HK$2,805/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,450/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,955
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,603
−HK$1,673/mo
Today · 4.125%
HK$56,276
baseline
▲ 0.50% · 4.625%
HK$59,701
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,552/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,912
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,492
−HK$1,603/mo
Today · 4.125%
HK$62,095
baseline
▲ 0.50% · 4.625%
HK$65,368
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,190/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,086
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,203
−HK$2,152/mo
Today · 4.125%
HK$72,355
baseline
▲ 0.50% · 4.625%
HK$76,758
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,710/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,745
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,776
−HK$2,061/mo
Today · 4.125%
HK$79,837
baseline
▲ 0.50% · 4.625%
HK$84,045
+HK$4,208/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,674/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,058 · Scale 2, in force from 26 Feb 2026)