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$37,935
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,115
−HK$1,199/mo
Today · 4.125%
HK$40,314
baseline
▲ 0.50% · 4.625%
HK$42,767
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,628/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,202
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,334
−HK$1,148/mo
Today · 4.125%
HK$44,482
baseline
▲ 0.50% · 4.625%
HK$46,827
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,964/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,522
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,438/mo
Today · 4.125%
HK$48,376
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,944/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,752/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,643
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,001
−HK$1,378/mo
Today · 4.125%
HK$53,379
baseline
▲ 0.50% · 4.625%
HK$56,192
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,758/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,109
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,761
−HK$1,678/mo
Today · 4.125%
HK$56,439
baseline
▲ 0.50% · 4.625%
HK$59,873
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,878/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,083
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,667
−HK$1,608/mo
Today · 4.125%
HK$62,275
baseline
▲ 0.50% · 4.625%
HK$65,558
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,550/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,283
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,407
−HK$2,158/mo
Today · 4.125%
HK$72,565
baseline
▲ 0.50% · 4.625%
HK$76,980
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,130/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,964
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,001
−HK$2,067/mo
Today · 4.125%
HK$80,068
baseline
▲ 0.50% · 4.625%
HK$84,288
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,136/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,858 · Scale 2, in force from 26 Feb 2026)