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$38,307
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$39,498
−HK$1,211/mo
Today · 4.125%
HK$40,709
baseline
▲ 0.50% · 4.625%
HK$43,186
+HK$2,477/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,418/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,616
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$43,759
−HK$1,159/mo
Today · 4.125%
HK$44,918
baseline
▲ 0.50% · 4.625%
HK$47,286
+HK$2,368/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,836/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,968
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$47,398
−HK$1,453/mo
Today · 4.125%
HK$48,851
baseline
▲ 0.50% · 4.625%
HK$51,823
+HK$2,972/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$97,702/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,139
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$52,511
−HK$1,391/mo
Today · 4.125%
HK$53,902
baseline
▲ 0.50% · 4.625%
HK$56,743
+HK$2,841/mo
Deposit HK$6.72M · loan HK$10.08M · min. income ≈ HK$107,804/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,629
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,298
−HK$1,695/mo
Today · 4.125%
HK$56,993
baseline
▲ 0.50% · 4.625%
HK$60,460
+HK$3,467/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$113,986/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,662
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,262
−HK$1,624/mo
Today · 4.125%
HK$62,886
baseline
▲ 0.50% · 4.625%
HK$66,200
+HK$3,314/mo
Deposit HK$5.04M · loan HK$11.76M · min. income ≈ HK$125,772/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,952
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,097
−HK$2,179/mo
Today · 4.125%
HK$73,276
baseline
▲ 0.50% · 4.625%
HK$77,735
+HK$4,459/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$146,552/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,709
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,766
−HK$2,087/mo
Today · 4.125%
HK$80,853
baseline
▲ 0.50% · 4.625%
HK$85,115
+HK$4,262/mo
Deposit HK$1.68M · loan HK$15.12M · min. income ≈ HK$161,706/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,975 · Scale 2, in force from 26 Feb 2026)