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$38,283
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,474
−HK$1,209/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$43,159
+HK$2,476/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,589
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,731
−HK$1,159/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,256
+HK$2,366/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,939
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,368
−HK$1,452/mo
Today · 4.125%
HK$48,820
baseline
▲ 0.50% · 4.625%
HK$51,791
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$97,640/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,107
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,478
−HK$1,390/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$56,708
+HK$2,840/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,596
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,263
−HK$1,694/mo
Today · 4.125%
HK$56,957
baseline
▲ 0.50% · 4.625%
HK$60,423
+HK$3,466/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,914/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,625
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,224
−HK$1,622/mo
Today · 4.125%
HK$62,846
baseline
▲ 0.50% · 4.625%
HK$66,159
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,692/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,909
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,053
−HK$2,177/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,686
+HK$4,456/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,661
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,717
−HK$2,085/mo
Today · 4.125%
HK$80,802
baseline
▲ 0.50% · 4.625%
HK$85,062
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,604/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,581 · Scale 2, in force from 26 Feb 2026)