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$38,235
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,208/mo
Today · 4.125%
HK$40,633
baseline
▲ 0.50% · 4.625%
HK$43,105
+HK$2,472/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,266/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,536
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,677
−HK$1,158/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,198
+HK$2,363/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,882
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,450/mo
Today · 4.125%
HK$48,760
baseline
▲ 0.50% · 4.625%
HK$51,727
+HK$2,967/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$97,520/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,044
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,413
−HK$1,388/mo
Today · 4.125%
HK$53,801
baseline
▲ 0.50% · 4.625%
HK$56,637
+HK$2,836/mo
Deposit HK$6.71M · loan HK$10.06M · min. income ≈ HK$107,602/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,529
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,691/mo
Today · 4.125%
HK$56,886
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,462/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,772/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,551
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,148
−HK$1,620/mo
Today · 4.125%
HK$62,768
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,309/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,536/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,824
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,964
−HK$2,175/mo
Today · 4.125%
HK$73,139
baseline
▲ 0.50% · 4.625%
HK$77,590
+HK$4,451/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$146,278/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,566
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,619
−HK$2,083/mo
Today · 4.125%
HK$80,702
baseline
▲ 0.50% · 4.625%
HK$84,956
+HK$4,254/mo
Deposit HK$1.68M · loan HK$15.09M · min. income ≈ HK$161,404/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$628,800 · Scale 2, in force from 26 Feb 2026)