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$37,883
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,197/mo
Today · 4.125%
HK$40,258
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,516/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,144
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,147/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$46,763
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,459
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,873
−HK$1,437/mo
Today · 4.125%
HK$48,310
baseline
▲ 0.50% · 4.625%
HK$51,250
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,620/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,573
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,929
−HK$1,376/mo
Today · 4.125%
HK$53,305
baseline
▲ 0.50% · 4.625%
HK$56,115
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,610/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,036
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,686
−HK$1,676/mo
Today · 4.125%
HK$56,362
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,724/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,002
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,584
−HK$1,606/mo
Today · 4.125%
HK$62,190
baseline
▲ 0.50% · 4.625%
HK$65,468
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,380/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,189
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,310
−HK$2,155/mo
Today · 4.125%
HK$72,465
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,930/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,859
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,894
−HK$2,064/mo
Today · 4.125%
HK$79,958
baseline
▲ 0.50% · 4.625%
HK$84,173
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,916/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,002 · Scale 2, in force from 26 Feb 2026)