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$37,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,180/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$42,101
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,130/mo
Today · 4.125%
HK$43,790
baseline
▲ 0.50% · 4.625%
HK$46,098
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,580/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,813
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,207
−HK$1,417/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,521
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,248/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,854
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,191
−HK$1,357/mo
Today · 4.125%
HK$52,548
baseline
▲ 0.50% · 4.625%
HK$55,318
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,096/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,282
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,652/mo
Today · 4.125%
HK$55,561
baseline
▲ 0.50% · 4.625%
HK$58,942
+HK$3,381/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,122/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,163
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$59,723
−HK$1,583/mo
Today · 4.125%
HK$61,306
baseline
▲ 0.50% · 4.625%
HK$64,537
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,612/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,220
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$2,124/mo
Today · 4.125%
HK$71,435
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$4,347/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,870/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,782
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,787
−HK$2,035/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$82,977
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,149 · Scale 2, in force from 26 Feb 2026)