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$37,340
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,501
−HK$1,180/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$42,096
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,540
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,131/mo
Today · 4.125%
HK$43,785
baseline
▲ 0.50% · 4.625%
HK$46,093
+HK$2,308/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,570/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,808
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,202
−HK$1,416/mo
Today · 4.125%
HK$47,618
baseline
▲ 0.50% · 4.625%
HK$50,515
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$95,236/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,848
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,185
−HK$1,356/mo
Today · 4.125%
HK$52,541
baseline
▲ 0.50% · 4.625%
HK$55,311
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.83M · min. income ≈ HK$105,082/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,652/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,934
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,156
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,716
−HK$1,582/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$64,530
+HK$3,232/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,212
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,303
−HK$2,124/mo
Today · 4.125%
HK$71,427
baseline
▲ 0.50% · 4.625%
HK$75,773
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,854/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,778
−HK$2,034/mo
Today · 4.125%
HK$78,812
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,624/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,075 · Scale 2, in force from 26 Feb 2026)