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$37,189
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,346
−HK$1,176/mo
Today · 4.125%
HK$39,522
baseline
▲ 0.50% · 4.625%
HK$41,926
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,044/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,373
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,126/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$45,907
+HK$2,299/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,627
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,015
−HK$1,411/mo
Today · 4.125%
HK$47,426
baseline
▲ 0.50% · 4.625%
HK$50,312
+HK$2,886/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$94,852/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,647
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,979
−HK$1,351/mo
Today · 4.125%
HK$52,330
baseline
▲ 0.50% · 4.625%
HK$55,088
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.79M · min. income ≈ HK$104,660/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,065
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,685
−HK$1,645/mo
Today · 4.125%
HK$55,330
baseline
▲ 0.50% · 4.625%
HK$58,697
+HK$3,367/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,660/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,922
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$59,475
−HK$1,576/mo
Today · 4.125%
HK$61,051
baseline
▲ 0.50% · 4.625%
HK$64,269
+HK$3,218/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,102/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,941
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$69,023
−HK$2,116/mo
Today · 4.125%
HK$71,139
baseline
▲ 0.50% · 4.625%
HK$75,467
+HK$4,328/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,278/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,471
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$76,468
−HK$2,027/mo
Today · 4.125%
HK$78,495
baseline
▲ 0.50% · 4.625%
HK$82,632
+HK$4,137/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$156,990/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,599 · Scale 2, in force from 26 Feb 2026)