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$38,362
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$39,555
−HK$1,212/mo
Today · 4.125%
HK$40,767
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,481/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,534/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$43,821
−HK$1,161/mo
Today · 4.125%
HK$44,982
baseline
▲ 0.50% · 4.625%
HK$47,354
+HK$2,372/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,964/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,034
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,466
−HK$1,455/mo
Today · 4.125%
HK$48,921
baseline
▲ 0.50% · 4.625%
HK$51,897
+HK$2,976/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$97,842/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,212
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,586
−HK$1,393/mo
Today · 4.125%
HK$53,979
baseline
▲ 0.50% · 4.625%
HK$56,824
+HK$2,845/mo
Deposit HK$6.73M · loan HK$10.09M · min. income ≈ HK$107,958/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,706
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,377
−HK$1,697/mo
Today · 4.125%
HK$57,074
baseline
▲ 0.50% · 4.625%
HK$60,547
+HK$3,473/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,148/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,748
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,350
−HK$1,625/mo
Today · 4.125%
HK$62,975
baseline
▲ 0.50% · 4.625%
HK$66,295
+HK$3,320/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,950/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,051
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,199
−HK$2,182/mo
Today · 4.125%
HK$73,381
baseline
▲ 0.50% · 4.625%
HK$77,846
+HK$4,465/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$146,762/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,818
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,878
−HK$2,090/mo
Today · 4.125%
HK$80,968
baseline
▲ 0.50% · 4.625%
HK$85,236
+HK$4,268/mo
Deposit HK$1.68M · loan HK$15.14M · min. income ≈ HK$161,936/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$630,875 · Scale 2, in force from 26 Feb 2026)