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$37,562
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,187/mo
Today · 4.125%
HK$39,918
baseline
▲ 0.50% · 4.625%
HK$42,347
+HK$2,429/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$79,836/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,788
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,909
−HK$1,137/mo
Today · 4.125%
HK$44,046
baseline
▲ 0.50% · 4.625%
HK$46,367
+HK$2,321/mo
Deposit HK$8.24M · loan HK$8.24M · min. income ≈ HK$88,092/mo (50% DSR)
Upfront cash ≈ HK$8.85M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,075
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$46,477
−HK$1,425/mo
Today · 4.125%
HK$47,902
baseline
▲ 0.50% · 4.625%
HK$50,816
+HK$2,914/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$95,804/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,145
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,490
−HK$1,365/mo
Today · 4.125%
HK$52,855
baseline
▲ 0.50% · 4.625%
HK$55,641
+HK$2,786/mo
Deposit HK$6.59M · loan HK$9.88M · min. income ≈ HK$105,710/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,587
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,223
−HK$1,662/mo
Today · 4.125%
HK$55,885
baseline
▲ 0.50% · 4.625%
HK$59,286
+HK$3,401/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$111,770/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,503
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,072
−HK$1,592/mo
Today · 4.125%
HK$61,664
baseline
▲ 0.50% · 4.625%
HK$64,914
+HK$3,250/mo
Deposit HK$4.94M · loan HK$11.53M · min. income ≈ HK$123,328/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,612
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$69,716
−HK$2,136/mo
Today · 4.125%
HK$71,852
baseline
▲ 0.50% · 4.625%
HK$76,224
+HK$4,372/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$143,704/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,218
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$77,235
−HK$2,047/mo
Today · 4.125%
HK$79,282
baseline
▲ 0.50% · 4.625%
HK$83,461
+HK$4,179/mo
Deposit HK$1.65M · loan HK$14.83M · min. income ≈ HK$158,564/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$617,735 · Scale 2, in force from 26 Feb 2026)