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$37,221
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,379
−HK$1,176/mo
Today · 4.125%
HK$39,555
baseline
▲ 0.50% · 4.625%
HK$41,962
+HK$2,407/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$79,110/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,408
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,519
−HK$1,126/mo
Today · 4.125%
HK$43,645
baseline
▲ 0.50% · 4.625%
HK$45,946
+HK$2,301/mo
Deposit HK$8.16M · loan HK$8.16M · min. income ≈ HK$87,290/mo (50% DSR)
Upfront cash ≈ HK$8.77M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,665
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,055
−HK$1,411/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$50,354
+HK$2,888/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,690
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,022
−HK$1,352/mo
Today · 4.125%
HK$52,374
baseline
▲ 0.50% · 4.625%
HK$55,135
+HK$2,761/mo
Deposit HK$6.53M · loan HK$9.79M · min. income ≈ HK$104,748/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,109
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$53,730
−HK$1,647/mo
Today · 4.125%
HK$55,377
baseline
▲ 0.50% · 4.625%
HK$58,747
+HK$3,370/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$110,754/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,971
−HK$3,132/mo
▼ 0.25% · 3.875%
HK$59,526
−HK$1,577/mo
Today · 4.125%
HK$61,103
baseline
▲ 0.50% · 4.625%
HK$64,324
+HK$3,221/mo
Deposit HK$4.90M · loan HK$11.43M · min. income ≈ HK$122,206/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,998
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$69,082
−HK$2,117/mo
Today · 4.125%
HK$71,199
baseline
▲ 0.50% · 4.625%
HK$75,531
+HK$4,332/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$142,398/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,534
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$76,533
−HK$2,028/mo
Today · 4.125%
HK$78,561
baseline
▲ 0.50% · 4.625%
HK$82,702
+HK$4,141/mo
Deposit HK$1.63M · loan HK$14.69M · min. income ≈ HK$157,122/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$612,119 · Scale 2, in force from 26 Feb 2026)