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$37,295
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,455
−HK$1,178/mo
Today · 4.125%
HK$39,633
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,412/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$79,266/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,490
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,129/mo
Today · 4.125%
HK$43,732
baseline
▲ 0.50% · 4.625%
HK$46,037
+HK$2,305/mo
Deposit HK$8.18M · loan HK$8.18M · min. income ≈ HK$87,464/mo (50% DSR)
Upfront cash ≈ HK$8.79M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,754
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,146
−HK$1,414/mo
Today · 4.125%
HK$47,560
baseline
▲ 0.50% · 4.625%
HK$50,454
+HK$2,894/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,120/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,788
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,123
−HK$1,355/mo
Today · 4.125%
HK$52,478
baseline
▲ 0.50% · 4.625%
HK$55,244
+HK$2,766/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,956/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,213
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$53,837
−HK$1,650/mo
Today · 4.125%
HK$55,487
baseline
▲ 0.50% · 4.625%
HK$58,863
+HK$3,376/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$110,974/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,086
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$59,644
−HK$1,580/mo
Today · 4.125%
HK$61,224
baseline
▲ 0.50% · 4.625%
HK$64,451
+HK$3,227/mo
Deposit HK$4.91M · loan HK$11.45M · min. income ≈ HK$122,448/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,131
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$69,219
−HK$2,121/mo
Today · 4.125%
HK$71,340
baseline
▲ 0.50% · 4.625%
HK$75,681
+HK$4,341/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$142,680/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,682
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,032/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$82,866
+HK$4,149/mo
Deposit HK$1.64M · loan HK$14.72M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$613,332 · Scale 2, in force from 26 Feb 2026)