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$37,847
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,196/mo
Today · 4.125%
HK$40,220
baseline
▲ 0.50% · 4.625%
HK$42,667
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,440/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,104
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,233
−HK$1,146/mo
Today · 4.125%
HK$44,379
baseline
▲ 0.50% · 4.625%
HK$46,718
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,758/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,416
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,829
−HK$1,435/mo
Today · 4.125%
HK$48,264
baseline
▲ 0.50% · 4.625%
HK$51,201
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,528/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,525
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,880
−HK$1,374/mo
Today · 4.125%
HK$53,254
baseline
▲ 0.50% · 4.625%
HK$56,062
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,508/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,985
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,633
−HK$1,675/mo
Today · 4.125%
HK$56,308
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,616/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,945
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,526
−HK$1,604/mo
Today · 4.125%
HK$62,130
baseline
▲ 0.50% · 4.625%
HK$65,405
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,260/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,124
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,243
−HK$2,153/mo
Today · 4.125%
HK$72,396
baseline
▲ 0.50% · 4.625%
HK$76,801
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,792/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,787
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,820
−HK$2,062/mo
Today · 4.125%
HK$79,882
baseline
▲ 0.50% · 4.625%
HK$84,092
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,764/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,407 · Scale 2, in force from 26 Feb 2026)