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$37,963
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,199/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,798
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,233
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,149/mo
Today · 4.125%
HK$44,515
baseline
▲ 0.50% · 4.625%
HK$46,861
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,030/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,555
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,972
−HK$1,440/mo
Today · 4.125%
HK$48,412
baseline
▲ 0.50% · 4.625%
HK$51,358
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,824/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,680
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,039
−HK$1,379/mo
Today · 4.125%
HK$53,418
baseline
▲ 0.50% · 4.625%
HK$56,234
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,836/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,148
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,801
−HK$1,680/mo
Today · 4.125%
HK$56,481
baseline
▲ 0.50% · 4.625%
HK$59,917
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,962/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,126
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,712
−HK$1,609/mo
Today · 4.125%
HK$62,321
baseline
▲ 0.50% · 4.625%
HK$65,606
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,642/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,333
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,458
−HK$2,160/mo
Today · 4.125%
HK$72,618
baseline
▲ 0.50% · 4.625%
HK$77,037
+HK$4,419/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,236/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,020
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,059
−HK$2,068/mo
Today · 4.125%
HK$80,127
baseline
▲ 0.50% · 4.625%
HK$84,350
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,254/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,318 · Scale 2, in force from 26 Feb 2026)