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$37,495
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,185/mo
Today · 4.125%
HK$39,846
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,424/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$79,692/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,712
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,831
−HK$1,135/mo
Today · 4.125%
HK$43,966
baseline
▲ 0.50% · 4.625%
HK$46,284
+HK$2,318/mo
Deposit HK$8.22M · loan HK$8.22M · min. income ≈ HK$87,932/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,994
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,393
−HK$1,422/mo
Today · 4.125%
HK$47,815
baseline
▲ 0.50% · 4.625%
HK$50,725
+HK$2,910/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,630/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,055
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,397
−HK$1,362/mo
Today · 4.125%
HK$52,759
baseline
▲ 0.50% · 4.625%
HK$55,540
+HK$2,781/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,518/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,493
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,125
−HK$1,659/mo
Today · 4.125%
HK$55,784
baseline
▲ 0.50% · 4.625%
HK$59,179
+HK$3,395/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$111,568/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,397
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,964
−HK$1,588/mo
Today · 4.125%
HK$61,552
baseline
▲ 0.50% · 4.625%
HK$64,797
+HK$3,245/mo
Deposit HK$4.93M · loan HK$11.51M · min. income ≈ HK$123,104/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,490
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,590
−HK$2,133/mo
Today · 4.125%
HK$71,723
baseline
▲ 0.50% · 4.625%
HK$76,087
+HK$4,364/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$143,446/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,082
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,096
−HK$2,043/mo
Today · 4.125%
HK$79,139
baseline
▲ 0.50% · 4.625%
HK$83,310
+HK$4,171/mo
Deposit HK$1.64M · loan HK$14.80M · min. income ≈ HK$158,278/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,620 · Scale 2, in force from 26 Feb 2026)