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$37,650
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,190/mo
Today · 4.125%
HK$40,011
baseline
▲ 0.50% · 4.625%
HK$42,445
+HK$2,434/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,022/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,885
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,008
−HK$1,140/mo
Today · 4.125%
HK$44,148
baseline
▲ 0.50% · 4.625%
HK$46,475
+HK$2,327/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,296/mo (50% DSR)
Upfront cash ≈ HK$8.87M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,180
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$46,585
−HK$1,428/mo
Today · 4.125%
HK$48,013
baseline
▲ 0.50% · 4.625%
HK$50,934
+HK$2,921/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$96,026/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,262
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$51,610
−HK$1,367/mo
Today · 4.125%
HK$52,977
baseline
▲ 0.50% · 4.625%
HK$55,770
+HK$2,793/mo
Deposit HK$6.60M · loan HK$9.91M · min. income ≈ HK$105,954/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,710
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,349
−HK$1,666/mo
Today · 4.125%
HK$56,015
baseline
▲ 0.50% · 4.625%
HK$59,423
+HK$3,408/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$112,030/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,639
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,212
−HK$1,595/mo
Today · 4.125%
HK$61,807
baseline
▲ 0.50% · 4.625%
HK$65,065
+HK$3,258/mo
Deposit HK$4.95M · loan HK$11.56M · min. income ≈ HK$123,614/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,770
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$69,878
−HK$2,141/mo
Today · 4.125%
HK$72,019
baseline
▲ 0.50% · 4.625%
HK$76,402
+HK$4,383/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$144,038/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,393
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$77,415
−HK$2,051/mo
Today · 4.125%
HK$79,466
baseline
▲ 0.50% · 4.625%
HK$83,655
+HK$4,189/mo
Deposit HK$1.65M · loan HK$14.86M · min. income ≈ HK$158,932/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,170 · Scale 2, in force from 26 Feb 2026)