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$38,344
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,537
−HK$1,212/mo
Today · 4.125%
HK$40,749
baseline
▲ 0.50% · 4.625%
HK$43,228
+HK$2,479/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,498/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,161/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,332
+HK$2,370/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,013
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$47,444
−HK$1,454/mo
Today · 4.125%
HK$48,898
baseline
▲ 0.50% · 4.625%
HK$51,874
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,796/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,189
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$52,562
−HK$1,392/mo
Today · 4.125%
HK$53,954
baseline
▲ 0.50% · 4.625%
HK$56,799
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,908/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,682
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,352
−HK$1,696/mo
Today · 4.125%
HK$57,048
baseline
▲ 0.50% · 4.625%
HK$60,519
+HK$3,471/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$114,096/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,720
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,625/mo
Today · 4.125%
HK$62,947
baseline
▲ 0.50% · 4.625%
HK$66,265
+HK$3,318/mo
Deposit HK$5.04M · loan HK$11.77M · min. income ≈ HK$125,894/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,019
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,166
−HK$2,182/mo
Today · 4.125%
HK$73,348
baseline
▲ 0.50% · 4.625%
HK$77,811
+HK$4,463/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$146,696/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,783
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,843
−HK$2,089/mo
Today · 4.125%
HK$80,932
baseline
▲ 0.50% · 4.625%
HK$85,198
+HK$4,266/mo
Deposit HK$1.68M · loan HK$15.13M · min. income ≈ HK$161,864/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,589 · Scale 2, in force from 26 Feb 2026)