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$37,769
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,943
−HK$1,194/mo
Today · 4.125%
HK$40,137
baseline
▲ 0.50% · 4.625%
HK$42,579
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,274/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,017
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,144
−HK$1,143/mo
Today · 4.125%
HK$44,287
baseline
▲ 0.50% · 4.625%
HK$46,622
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,574/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,322
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,732
−HK$1,433/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$51,095
+HK$2,930/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,421
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,773
−HK$1,372/mo
Today · 4.125%
HK$53,145
baseline
▲ 0.50% · 4.625%
HK$55,946
+HK$2,801/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,290/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,876
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,521
−HK$1,671/mo
Today · 4.125%
HK$56,192
baseline
▲ 0.50% · 4.625%
HK$59,611
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,384/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,824
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,402
−HK$1,600/mo
Today · 4.125%
HK$62,002
baseline
▲ 0.50% · 4.625%
HK$65,270
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$124,004/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,984
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,098
−HK$2,149/mo
Today · 4.125%
HK$72,247
baseline
▲ 0.50% · 4.625%
HK$76,643
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,494/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,631
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,659
−HK$2,058/mo
Today · 4.125%
HK$79,717
baseline
▲ 0.50% · 4.625%
HK$83,919
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,434/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,126 · Scale 2, in force from 26 Feb 2026)