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$37,345
−HK$2,341/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$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,546
−HK$2,244/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$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,416/mo
Today · 4.125%
HK$47,624
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,898/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$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,855
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,192
−HK$1,356/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$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,283
−HK$3,278/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$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,164
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,724
−HK$1,582/mo
Today · 4.125%
HK$61,306
baseline
▲ 0.50% · 4.625%
HK$64,538
+HK$3,232/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$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,220
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$2,125/mo
Today · 4.125%
HK$71,436
baseline
▲ 0.50% · 4.625%
HK$75,782
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,872/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,782
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,788
−HK$2,034/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$614,153 · Scale 2, in force from 26 Feb 2026)