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$38,528
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,727
−HK$1,217/mo
Today · 4.125%
HK$40,944
baseline
▲ 0.50% · 4.625%
HK$43,436
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,888/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,862
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$44,012
−HK$1,166/mo
Today · 4.125%
HK$45,178
baseline
▲ 0.50% · 4.625%
HK$47,559
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,356/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,234
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,461/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$52,123
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,435
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,814
−HK$1,400/mo
Today · 4.125%
HK$54,214
baseline
▲ 0.50% · 4.625%
HK$57,071
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,428/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,940
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,617
−HK$1,705/mo
Today · 4.125%
HK$57,322
baseline
▲ 0.50% · 4.625%
HK$60,810
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,644/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,007
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,617
−HK$1,632/mo
Today · 4.125%
HK$63,249
baseline
▲ 0.50% · 4.625%
HK$66,583
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,498/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,351
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,508
−HK$2,192/mo
Today · 4.125%
HK$73,700
baseline
▲ 0.50% · 4.625%
HK$78,184
+HK$4,484/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,400/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,152
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,221
−HK$2,099/mo
Today · 4.125%
HK$81,320
baseline
▲ 0.50% · 4.625%
HK$85,607
+HK$4,287/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,640/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,618 · Scale 2, in force from 26 Feb 2026)