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$37,131
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,173/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,401/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,307
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,124/mo
Today · 4.125%
HK$43,539
baseline
▲ 0.50% · 4.625%
HK$45,834
+HK$2,295/mo
Deposit HK$8.14M · loan HK$8.14M · min. income ≈ HK$87,078/mo (50% DSR)
Upfront cash ≈ HK$8.75M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,557
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,408/mo
Today · 4.125%
HK$47,351
baseline
▲ 0.50% · 4.625%
HK$50,232
+HK$2,881/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$94,702/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,569
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,898
−HK$1,349/mo
Today · 4.125%
HK$52,247
baseline
▲ 0.50% · 4.625%
HK$55,001
+HK$2,754/mo
Deposit HK$6.51M · loan HK$9.77M · min. income ≈ HK$104,494/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,983
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$53,600
−HK$1,643/mo
Today · 4.125%
HK$55,243
baseline
▲ 0.50% · 4.625%
HK$58,604
+HK$3,361/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,486/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,830
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,381
−HK$1,574/mo
Today · 4.125%
HK$60,955
baseline
▲ 0.50% · 4.625%
HK$64,168
+HK$3,213/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,910/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,835
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,914
−HK$2,112/mo
Today · 4.125%
HK$71,026
baseline
▲ 0.50% · 4.625%
HK$75,348
+HK$4,322/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,353
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$76,347
−HK$2,023/mo
Today · 4.125%
HK$78,370
baseline
▲ 0.50% · 4.625%
HK$82,501
+HK$4,131/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,740/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,631 · Scale 2, in force from 26 Feb 2026)