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$38,205
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,394
−HK$1,207/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,470/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,503
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,643
−HK$1,156/mo
Today · 4.125%
HK$44,799
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,362/mo
Deposit HK$8.38M · loan HK$8.38M · min. income ≈ HK$89,598/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,846
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$47,272
−HK$1,449/mo
Today · 4.125%
HK$48,721
baseline
▲ 0.50% · 4.625%
HK$51,686
+HK$2,965/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,442/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,003
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,371
−HK$1,388/mo
Today · 4.125%
HK$53,759
baseline
▲ 0.50% · 4.625%
HK$56,593
+HK$2,834/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,518/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,487
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,151
−HK$1,690/mo
Today · 4.125%
HK$56,841
baseline
▲ 0.50% · 4.625%
HK$60,300
+HK$3,459/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$113,682/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,504
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,100
−HK$1,619/mo
Today · 4.125%
HK$62,719
baseline
▲ 0.50% · 4.625%
HK$66,025
+HK$3,306/mo
Deposit HK$5.03M · loan HK$11.73M · min. income ≈ HK$125,438/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,769
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,908
−HK$2,174/mo
Today · 4.125%
HK$73,082
baseline
▲ 0.50% · 4.625%
HK$77,529
+HK$4,447/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$146,164/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,505
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,557
−HK$2,081/mo
Today · 4.125%
HK$80,638
baseline
▲ 0.50% · 4.625%
HK$84,889
+HK$4,251/mo
Deposit HK$1.68M · loan HK$15.08M · min. income ≈ HK$161,276/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$628,304 · Scale 2, in force from 26 Feb 2026)