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$37,146
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,174/mo
Today · 4.125%
HK$39,475
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,950/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,324
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,433
−HK$1,124/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,575
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,408/mo
Today · 4.125%
HK$47,370
baseline
▲ 0.50% · 4.625%
HK$50,253
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$94,740/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,589
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,919
−HK$1,350/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,024
+HK$2,755/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,004
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,643/mo
Today · 4.125%
HK$55,265
baseline
▲ 0.50% · 4.625%
HK$58,628
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,530/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,854
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$59,406
−HK$1,574/mo
Today · 4.125%
HK$60,980
baseline
▲ 0.50% · 4.625%
HK$64,194
+HK$3,214/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,960/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,863
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,943
−HK$2,113/mo
Today · 4.125%
HK$71,056
baseline
▲ 0.50% · 4.625%
HK$75,379
+HK$4,323/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,112/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,384
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,379
−HK$2,024/mo
Today · 4.125%
HK$78,403
baseline
▲ 0.50% · 4.625%
HK$82,536
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,806/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,885 · Scale 2, in force from 26 Feb 2026)