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$37,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,372
−HK$1,176/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,955
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,126/mo
Today · 4.125%
HK$43,637
baseline
▲ 0.50% · 4.625%
HK$45,938
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,274/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,657
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,046
−HK$1,412/mo
Today · 4.125%
HK$47,458
baseline
▲ 0.50% · 4.625%
HK$50,345
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,916/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,681
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,013
−HK$1,352/mo
Today · 4.125%
HK$52,365
baseline
▲ 0.50% · 4.625%
HK$55,125
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,730/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,100
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,721
−HK$1,646/mo
Today · 4.125%
HK$55,367
baseline
▲ 0.50% · 4.625%
HK$58,736
+HK$3,369/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$110,734/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,961
−HK$3,131/mo
▼ 0.25% · 3.875%
HK$59,515
−HK$1,577/mo
Today · 4.125%
HK$61,092
baseline
▲ 0.50% · 4.625%
HK$64,313
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.42M · min. income ≈ HK$122,184/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,986
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,070
−HK$2,117/mo
Today · 4.125%
HK$71,187
baseline
▲ 0.50% · 4.625%
HK$75,518
+HK$4,331/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,374/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,521
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$76,520
−HK$2,027/mo
Today · 4.125%
HK$78,547
baseline
▲ 0.50% · 4.625%
HK$82,688
+HK$4,141/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,094/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,012 · Scale 2, in force from 26 Feb 2026)