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$37,962
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,143
−HK$1,200/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,232
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,365
−HK$1,149/mo
Today · 4.125%
HK$44,514
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,028/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,554
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,971
−HK$1,440/mo
Today · 4.125%
HK$48,411
baseline
▲ 0.50% · 4.625%
HK$51,357
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,822/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,679
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,038
−HK$1,379/mo
Today · 4.125%
HK$53,417
baseline
▲ 0.50% · 4.625%
HK$56,232
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,834/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,147
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,800
−HK$1,680/mo
Today · 4.125%
HK$56,480
baseline
▲ 0.50% · 4.625%
HK$59,916
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,960/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,125
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,609/mo
Today · 4.125%
HK$62,320
baseline
▲ 0.50% · 4.625%
HK$65,605
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,640/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,332
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,457
−HK$2,160/mo
Today · 4.125%
HK$72,617
baseline
▲ 0.50% · 4.625%
HK$77,035
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,234/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,018
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,057
−HK$2,068/mo
Today · 4.125%
HK$80,125
baseline
▲ 0.50% · 4.625%
HK$84,349
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,250/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,305 · Scale 2, in force from 26 Feb 2026)