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$38,088
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$39,273
−HK$1,204/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,940
+HK$2,463/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,373
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,509
−HK$1,153/mo
Today · 4.125%
HK$44,662
baseline
▲ 0.50% · 4.625%
HK$47,016
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,324/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,706
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,128
−HK$1,444/mo
Today · 4.125%
HK$48,572
baseline
▲ 0.50% · 4.625%
HK$51,528
+HK$2,956/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,144/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,847
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,211
−HK$1,384/mo
Today · 4.125%
HK$53,595
baseline
▲ 0.50% · 4.625%
HK$56,420
+HK$2,825/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,190/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,982
−HK$1,686/mo
Today · 4.125%
HK$56,668
baseline
▲ 0.50% · 4.625%
HK$60,116
+HK$3,448/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,336/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,322
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,913
−HK$1,614/mo
Today · 4.125%
HK$62,527
baseline
▲ 0.50% · 4.625%
HK$65,823
+HK$3,296/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,054/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,559
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,692
−HK$2,166/mo
Today · 4.125%
HK$72,858
baseline
▲ 0.50% · 4.625%
HK$77,291
+HK$4,433/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,716/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,271
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,317
−HK$2,075/mo
Today · 4.125%
HK$80,392
baseline
▲ 0.50% · 4.625%
HK$84,629
+HK$4,237/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,784/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,383 · Scale 2, in force from 26 Feb 2026)