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$37,229
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,387
−HK$1,177/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,127/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,675
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,065
−HK$1,411/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$50,365
+HK$2,889/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,033
−HK$1,353/mo
Today · 4.125%
HK$52,386
baseline
▲ 0.50% · 4.625%
HK$55,147
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,772/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,121
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,742
−HK$1,647/mo
Today · 4.125%
HK$55,389
baseline
▲ 0.50% · 4.625%
HK$58,760
+HK$3,371/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,778/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,984
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$59,539
−HK$1,578/mo
Today · 4.125%
HK$61,117
baseline
▲ 0.50% · 4.625%
HK$64,338
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,234/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,012
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$69,097
−HK$2,118/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$75,548
+HK$4,333/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,551
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,550
−HK$2,028/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$82,720
+HK$4,142/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,253 · Scale 2, in force from 26 Feb 2026)