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$37,666
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$38,837
−HK$1,191/mo
Today · 4.125%
HK$40,028
baseline
▲ 0.50% · 4.625%
HK$42,463
+HK$2,435/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,056/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,903
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$43,026
−HK$1,140/mo
Today · 4.125%
HK$44,166
baseline
▲ 0.50% · 4.625%
HK$46,495
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,332/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,428/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,923/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,283
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,632
−HK$1,368/mo
Today · 4.125%
HK$53,000
baseline
▲ 0.50% · 4.625%
HK$55,793
+HK$2,793/mo
Deposit HK$6.61M · loan HK$9.91M · min. income ≈ HK$106,000/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,732
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,372
−HK$1,667/mo
Today · 4.125%
HK$56,039
baseline
▲ 0.50% · 4.625%
HK$59,448
+HK$3,409/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$112,078/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,664
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,237
−HK$1,596/mo
Today · 4.125%
HK$61,833
baseline
▲ 0.50% · 4.625%
HK$65,092
+HK$3,259/mo
Deposit HK$4.96M · loan HK$11.56M · min. income ≈ HK$123,666/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,798
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$69,907
−HK$2,143/mo
Today · 4.125%
HK$72,050
baseline
▲ 0.50% · 4.625%
HK$76,434
+HK$4,384/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$144,100/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,425
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$77,448
−HK$2,052/mo
Today · 4.125%
HK$79,500
baseline
▲ 0.50% · 4.625%
HK$83,690
+HK$4,190/mo
Deposit HK$1.65M · loan HK$14.87M · min. income ≈ HK$159,000/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,431 · Scale 2, in force from 26 Feb 2026)