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$37,341
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,180/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$42,098
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,542
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,130/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,810
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,204
−HK$1,416/mo
Today · 4.125%
HK$47,620
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,240/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,850
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,187
−HK$1,357/mo
Today · 4.125%
HK$52,544
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$2,769/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,088/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,278
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,904
−HK$1,652/mo
Today · 4.125%
HK$55,556
baseline
▲ 0.50% · 4.625%
HK$58,937
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,112/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,159
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,719
−HK$1,582/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$64,532
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,215
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$2,124/mo
Today · 4.125%
HK$71,429
baseline
▲ 0.50% · 4.625%
HK$75,776
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,858/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,775
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,781
−HK$2,034/mo
Today · 4.125%
HK$78,815
baseline
▲ 0.50% · 4.625%
HK$82,970
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,630/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,099 · Scale 2, in force from 26 Feb 2026)