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$37,698
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,871
−HK$1,191/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,500
+HK$2,438/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,939
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,141/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,535
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,238
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,645
−HK$1,429/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$51,000
+HK$2,926/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,326
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$51,676
−HK$1,369/mo
Today · 4.125%
HK$53,045
baseline
▲ 0.50% · 4.625%
HK$55,841
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,090/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,419
−HK$1,668/mo
Today · 4.125%
HK$56,087
baseline
▲ 0.50% · 4.625%
HK$59,500
+HK$3,413/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,174/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,714
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,597/mo
Today · 4.125%
HK$61,886
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,262/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,772/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,856
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$69,967
−HK$2,145/mo
Today · 4.125%
HK$72,112
baseline
▲ 0.50% · 4.625%
HK$76,499
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,224/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,490
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,514
−HK$2,054/mo
Today · 4.125%
HK$79,568
baseline
▲ 0.50% · 4.625%
HK$83,762
+HK$4,194/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,136/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,964 · Scale 2, in force from 26 Feb 2026)