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$37,585
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,188/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,372
+HK$2,430/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,813
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,138/mo
Today · 4.125%
HK$44,072
baseline
▲ 0.50% · 4.625%
HK$46,395
+HK$2,323/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,144/mo (50% DSR)
Upfront cash ≈ HK$8.86M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,102
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$46,505
−HK$1,425/mo
Today · 4.125%
HK$47,930
baseline
▲ 0.50% · 4.625%
HK$50,847
+HK$2,917/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$95,860/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,175
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$51,521
−HK$1,365/mo
Today · 4.125%
HK$52,886
baseline
▲ 0.50% · 4.625%
HK$55,674
+HK$2,788/mo
Deposit HK$6.59M · loan HK$9.89M · min. income ≈ HK$105,772/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,619
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,256
−HK$1,663/mo
Today · 4.125%
HK$55,919
baseline
▲ 0.50% · 4.625%
HK$59,321
+HK$3,402/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$111,838/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,538
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,108
−HK$1,593/mo
Today · 4.125%
HK$61,701
baseline
▲ 0.50% · 4.625%
HK$64,953
+HK$3,252/mo
Deposit HK$4.94M · loan HK$11.54M · min. income ≈ HK$123,402/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,653
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$69,757
−HK$2,138/mo
Today · 4.125%
HK$71,895
baseline
▲ 0.50% · 4.625%
HK$76,270
+HK$4,375/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,790/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,263
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,282
−HK$2,047/mo
Today · 4.125%
HK$79,329
baseline
▲ 0.50% · 4.625%
HK$83,511
+HK$4,182/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,658/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$618,104 · Scale 2, in force from 26 Feb 2026)