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$38,158
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,345
−HK$1,206/mo
Today · 4.125%
HK$40,551
baseline
▲ 0.50% · 4.625%
HK$43,018
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,102/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,451
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,155/mo
Today · 4.125%
HK$44,744
baseline
▲ 0.50% · 4.625%
HK$47,103
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,488/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,790
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,214
−HK$1,447/mo
Today · 4.125%
HK$48,661
baseline
▲ 0.50% · 4.625%
HK$51,622
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,322/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,941
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,307
−HK$1,386/mo
Today · 4.125%
HK$53,693
baseline
▲ 0.50% · 4.625%
HK$56,523
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,386/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,421
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,083
−HK$1,688/mo
Today · 4.125%
HK$56,771
baseline
▲ 0.50% · 4.625%
HK$60,226
+HK$3,455/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,542/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,431
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,025
−HK$1,617/mo
Today · 4.125%
HK$62,642
baseline
▲ 0.50% · 4.625%
HK$65,944
+HK$3,302/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,284/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,685
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,821
−HK$2,171/mo
Today · 4.125%
HK$72,992
baseline
▲ 0.50% · 4.625%
HK$77,433
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,984/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,411
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,460
−HK$2,079/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$84,785
+HK$4,246/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,531 · Scale 2, in force from 26 Feb 2026)