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$37,594
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,188/mo
Today · 4.125%
HK$39,952
baseline
▲ 0.50% · 4.625%
HK$42,383
+HK$2,431/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,904/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$42,945
−HK$1,138/mo
Today · 4.125%
HK$44,083
baseline
▲ 0.50% · 4.625%
HK$46,406
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,166/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,113
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$46,516
−HK$1,426/mo
Today · 4.125%
HK$47,942
baseline
▲ 0.50% · 4.625%
HK$50,859
+HK$2,917/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,884/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,188
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,534
−HK$1,365/mo
Today · 4.125%
HK$52,899
baseline
▲ 0.50% · 4.625%
HK$55,688
+HK$2,789/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,798/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,632
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,269
−HK$1,663/mo
Today · 4.125%
HK$55,932
baseline
▲ 0.50% · 4.625%
HK$59,336
+HK$3,404/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$111,864/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,552
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,123
−HK$1,593/mo
Today · 4.125%
HK$61,716
baseline
▲ 0.50% · 4.625%
HK$64,969
+HK$3,253/mo
Deposit HK$4.95M · loan HK$11.54M · min. income ≈ HK$123,432/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,670
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$69,774
−HK$2,139/mo
Today · 4.125%
HK$71,913
baseline
▲ 0.50% · 4.625%
HK$76,289
+HK$4,376/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$143,826/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,282
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$77,301
−HK$2,048/mo
Today · 4.125%
HK$79,349
baseline
▲ 0.50% · 4.625%
HK$83,532
+HK$4,183/mo
Deposit HK$1.65M · loan HK$14.84M · min. income ≈ HK$158,698/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,257 · Scale 2, in force from 26 Feb 2026)