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$38,478
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,216/mo
Today · 4.125%
HK$40,890
baseline
▲ 0.50% · 4.625%
HK$43,379
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,780/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,806
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,954
−HK$1,165/mo
Today · 4.125%
HK$45,119
baseline
▲ 0.50% · 4.625%
HK$47,497
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,238/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,173
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,609
−HK$1,460/mo
Today · 4.125%
HK$49,069
baseline
▲ 0.50% · 4.625%
HK$52,054
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,138/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,367
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,745
−HK$1,397/mo
Today · 4.125%
HK$54,142
baseline
▲ 0.50% · 4.625%
HK$56,996
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,284/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,869
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,544
−HK$1,703/mo
Today · 4.125%
HK$57,247
baseline
▲ 0.50% · 4.625%
HK$60,730
+HK$3,483/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,494/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,928
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,536
−HK$1,630/mo
Today · 4.125%
HK$63,166
baseline
▲ 0.50% · 4.625%
HK$66,496
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,332/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,260
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,414
−HK$2,189/mo
Today · 4.125%
HK$73,603
baseline
▲ 0.50% · 4.625%
HK$78,081
+HK$4,478/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,206/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,051
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,117
−HK$2,096/mo
Today · 4.125%
HK$81,213
baseline
▲ 0.50% · 4.625%
HK$85,494
+HK$4,281/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,426/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,784 · Scale 2, in force from 26 Feb 2026)