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$37,771
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,194/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,582
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,143/mo
Today · 4.125%
HK$44,290
baseline
▲ 0.50% · 4.625%
HK$46,625
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,580/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,433/mo
Today · 4.125%
HK$48,168
baseline
▲ 0.50% · 4.625%
HK$51,099
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,336/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,776
−HK$1,372/mo
Today · 4.125%
HK$53,148
baseline
▲ 0.50% · 4.625%
HK$55,950
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,296/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,880
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,525
−HK$1,671/mo
Today · 4.125%
HK$56,196
baseline
▲ 0.50% · 4.625%
HK$59,615
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,392/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,828
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,406
−HK$1,600/mo
Today · 4.125%
HK$62,006
baseline
▲ 0.50% · 4.625%
HK$65,275
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,012/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,988
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,103
−HK$2,149/mo
Today · 4.125%
HK$72,252
baseline
▲ 0.50% · 4.625%
HK$76,648
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,504/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,636
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,665
−HK$2,058/mo
Today · 4.125%
HK$79,723
baseline
▲ 0.50% · 4.625%
HK$83,925
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,446/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,168 · Scale 2, in force from 26 Feb 2026)