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$37,253
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,412
−HK$1,177/mo
Today · 4.125%
HK$39,589
baseline
▲ 0.50% · 4.625%
HK$41,998
+HK$2,409/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,178/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,444
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,555
−HK$1,128/mo
Today · 4.125%
HK$43,683
baseline
▲ 0.50% · 4.625%
HK$45,985
+HK$2,302/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,366/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,704
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,094
−HK$1,413/mo
Today · 4.125%
HK$47,507
baseline
▲ 0.50% · 4.625%
HK$50,398
+HK$2,891/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$95,014/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,732
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,066
−HK$1,353/mo
Today · 4.125%
HK$52,419
baseline
▲ 0.50% · 4.625%
HK$55,182
+HK$2,763/mo
Deposit HK$6.53M · loan HK$9.80M · min. income ≈ HK$104,838/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,154
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,648/mo
Today · 4.125%
HK$55,425
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$3,372/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,850/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,021
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$59,577
−HK$1,579/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,379
+HK$3,223/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,056
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$69,141
−HK$2,119/mo
Today · 4.125%
HK$71,260
baseline
▲ 0.50% · 4.625%
HK$75,597
+HK$4,337/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$142,520/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,599
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$76,599
−HK$2,030/mo
Today · 4.125%
HK$78,629
baseline
▲ 0.50% · 4.625%
HK$82,774
+HK$4,145/mo
Deposit HK$1.63M · loan HK$14.70M · min. income ≈ HK$157,258/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,646 · Scale 2, in force from 26 Feb 2026)