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$37,205
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,363
−HK$1,175/mo
Today · 4.125%
HK$39,538
baseline
▲ 0.50% · 4.625%
HK$41,944
+HK$2,406/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,076/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,501
−HK$1,126/mo
Today · 4.125%
HK$43,627
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,299/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,254/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,646
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,411/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$50,333
+HK$2,887/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,669
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,001
−HK$1,351/mo
Today · 4.125%
HK$52,352
baseline
▲ 0.50% · 4.625%
HK$55,112
+HK$2,760/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,704/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,087
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$53,708
−HK$1,646/mo
Today · 4.125%
HK$55,354
baseline
▲ 0.50% · 4.625%
HK$58,722
+HK$3,368/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$110,708/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,947
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,501
−HK$1,576/mo
Today · 4.125%
HK$61,077
baseline
▲ 0.50% · 4.625%
HK$64,297
+HK$3,220/mo
Deposit HK$4.89M · loan HK$11.42M · min. income ≈ HK$122,154/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,970
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$69,053
−HK$2,116/mo
Today · 4.125%
HK$71,169
baseline
▲ 0.50% · 4.625%
HK$75,500
+HK$4,331/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$142,338/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,503
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$76,501
−HK$2,027/mo
Today · 4.125%
HK$78,528
baseline
▲ 0.50% · 4.625%
HK$82,667
+HK$4,139/mo
Deposit HK$1.63M · loan HK$14.68M · min. income ≈ HK$157,056/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,861 · Scale 2, in force from 26 Feb 2026)