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$37,786
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,194/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,599
+HK$2,443/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,164
−HK$1,144/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,344
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,754
−HK$1,433/mo
Today · 4.125%
HK$48,187
baseline
▲ 0.50% · 4.625%
HK$51,119
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,374/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,444
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,797
−HK$1,373/mo
Today · 4.125%
HK$53,170
baseline
▲ 0.50% · 4.625%
HK$55,972
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,340/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,901
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,546
−HK$1,672/mo
Today · 4.125%
HK$56,218
baseline
▲ 0.50% · 4.625%
HK$59,639
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,436/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,430
−HK$1,601/mo
Today · 4.125%
HK$62,031
baseline
▲ 0.50% · 4.625%
HK$65,301
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,062/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,015
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,131
−HK$2,150/mo
Today · 4.125%
HK$72,281
baseline
▲ 0.50% · 4.625%
HK$76,679
+HK$4,398/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,562/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,666
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,696
−HK$2,058/mo
Today · 4.125%
HK$79,754
baseline
▲ 0.50% · 4.625%
HK$83,958
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,508/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,416 · Scale 2, in force from 26 Feb 2026)