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$37,795
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,194/mo
Today · 4.125%
HK$40,165
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,330/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,046
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,144/mo
Today · 4.125%
HK$44,318
baseline
▲ 0.50% · 4.625%
HK$46,654
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,636/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,354
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,765
−HK$1,433/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$51,131
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,456
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,809
−HK$1,373/mo
Today · 4.125%
HK$53,182
baseline
▲ 0.50% · 4.625%
HK$55,985
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,364/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,913
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,559
−HK$1,672/mo
Today · 4.125%
HK$56,231
baseline
▲ 0.50% · 4.625%
HK$59,653
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,462/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,865
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,444
−HK$1,601/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,316
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,031
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,147
−HK$2,150/mo
Today · 4.125%
HK$72,297
baseline
▲ 0.50% · 4.625%
HK$76,696
+HK$4,399/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,594/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,684
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,713
−HK$2,060/mo
Today · 4.125%
HK$79,773
baseline
▲ 0.50% · 4.625%
HK$83,978
+HK$4,205/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,546/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,558 · Scale 2, in force from 26 Feb 2026)