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$38,074
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,258
−HK$1,204/mo
Today · 4.125%
HK$40,462
baseline
▲ 0.50% · 4.625%
HK$42,924
+HK$2,462/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,924/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,357
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,152/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$46,999
+HK$2,354/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,689
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,110
−HK$1,444/mo
Today · 4.125%
HK$48,554
baseline
▲ 0.50% · 4.625%
HK$51,508
+HK$2,954/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,108/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,828
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,192
−HK$1,382/mo
Today · 4.125%
HK$53,574
baseline
▲ 0.50% · 4.625%
HK$56,398
+HK$2,824/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,148/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,304
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,962
−HK$1,684/mo
Today · 4.125%
HK$56,646
baseline
▲ 0.50% · 4.625%
HK$60,093
+HK$3,447/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$113,292/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,300
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,890
−HK$1,614/mo
Today · 4.125%
HK$62,504
baseline
▲ 0.50% · 4.625%
HK$65,798
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.69M · min. income ≈ HK$125,008/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,665
−HK$2,166/mo
Today · 4.125%
HK$72,831
baseline
▲ 0.50% · 4.625%
HK$77,262
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$145,662/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,243
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,075/mo
Today · 4.125%
HK$80,362
baseline
▲ 0.50% · 4.625%
HK$84,598
+HK$4,236/mo
Deposit HK$1.67M · loan HK$15.03M · min. income ≈ HK$160,724/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,147 · Scale 2, in force from 26 Feb 2026)