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$37,809
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,194/mo
Today · 4.125%
HK$40,180
baseline
▲ 0.50% · 4.625%
HK$42,625
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,360/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,063
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,191
−HK$1,144/mo
Today · 4.125%
HK$44,335
baseline
▲ 0.50% · 4.625%
HK$46,672
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,670/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,371
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,434/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$51,150
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,475
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,829
−HK$1,373/mo
Today · 4.125%
HK$53,202
baseline
▲ 0.50% · 4.625%
HK$56,007
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,404/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,933
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,580
−HK$1,673/mo
Today · 4.125%
HK$56,253
baseline
▲ 0.50% · 4.625%
HK$59,675
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,506/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,888
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,467
−HK$1,602/mo
Today · 4.125%
HK$62,069
baseline
▲ 0.50% · 4.625%
HK$65,341
+HK$3,272/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,138/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,057
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,174
−HK$2,151/mo
Today · 4.125%
HK$72,325
baseline
▲ 0.50% · 4.625%
HK$76,726
+HK$4,401/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,650/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,713
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,743
−HK$2,060/mo
Today · 4.125%
HK$79,803
baseline
▲ 0.50% · 4.625%
HK$84,010
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,606/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,796 · Scale 2, in force from 26 Feb 2026)