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$38,063
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,247
−HK$1,203/mo
Today · 4.125%
HK$40,450
baseline
▲ 0.50% · 4.625%
HK$42,911
+HK$2,461/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$80,900/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,344
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,152/mo
Today · 4.125%
HK$44,632
baseline
▲ 0.50% · 4.625%
HK$46,985
+HK$2,353/mo
Deposit HK$8.35M · loan HK$8.35M · min. income ≈ HK$89,264/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,675
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,096
−HK$1,444/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,493
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,813
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,176
−HK$1,383/mo
Today · 4.125%
HK$53,559
baseline
▲ 0.50% · 4.625%
HK$56,382
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.02M · min. income ≈ HK$107,118/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,288
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,945
−HK$1,685/mo
Today · 4.125%
HK$56,630
baseline
▲ 0.50% · 4.625%
HK$60,075
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,260/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,282
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,872
−HK$1,613/mo
Today · 4.125%
HK$62,485
baseline
▲ 0.50% · 4.625%
HK$65,779
+HK$3,294/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,970/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,513
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$2,165/mo
Today · 4.125%
HK$72,809
baseline
▲ 0.50% · 4.625%
HK$77,240
+HK$4,431/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,618/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,220
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,264
−HK$2,074/mo
Today · 4.125%
HK$80,338
baseline
▲ 0.50% · 4.625%
HK$84,573
+HK$4,235/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,676/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$625,963 · Scale 2, in force from 26 Feb 2026)