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$38,375
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$39,569
−HK$1,212/mo
Today · 4.125%
HK$40,781
baseline
▲ 0.50% · 4.625%
HK$43,263
+HK$2,482/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$81,562/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,692
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$43,837
−HK$1,161/mo
Today · 4.125%
HK$44,998
baseline
▲ 0.50% · 4.625%
HK$47,370
+HK$2,372/mo
Deposit HK$8.41M · loan HK$8.41M · min. income ≈ HK$89,996/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,050
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,456/mo
Today · 4.125%
HK$48,938
baseline
▲ 0.50% · 4.625%
HK$51,915
+HK$2,977/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,876/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,230
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,604
−HK$1,394/mo
Today · 4.125%
HK$53,998
baseline
▲ 0.50% · 4.625%
HK$56,844
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$107,996/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,725
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,698/mo
Today · 4.125%
HK$57,094
baseline
▲ 0.50% · 4.625%
HK$60,568
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,188/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,768
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,371
−HK$1,626/mo
Today · 4.125%
HK$62,997
baseline
▲ 0.50% · 4.625%
HK$66,318
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$125,994/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,075
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,223
−HK$2,183/mo
Today · 4.125%
HK$73,406
baseline
▲ 0.50% · 4.625%
HK$77,873
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,812/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,845
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,906
−HK$2,091/mo
Today · 4.125%
HK$80,997
baseline
▲ 0.50% · 4.625%
HK$85,266
+HK$4,269/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$161,994/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,095 · Scale 2, in force from 26 Feb 2026)