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$37,759
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,194/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,143/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,610
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,720
−HK$1,432/mo
Today · 4.125%
HK$48,152
baseline
▲ 0.50% · 4.625%
HK$51,082
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,304/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,408
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,759
−HK$1,372/mo
Today · 4.125%
HK$53,131
baseline
▲ 0.50% · 4.625%
HK$55,932
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,262/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,862
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,670/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,595
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,809
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,600/mo
Today · 4.125%
HK$61,986
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,972/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,966
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,080
−HK$2,148/mo
Today · 4.125%
HK$72,228
baseline
▲ 0.50% · 4.625%
HK$76,623
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,456/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,611
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,639
−HK$2,057/mo
Today · 4.125%
HK$79,696
baseline
▲ 0.50% · 4.625%
HK$83,897
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,392/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,963 · Scale 2, in force from 26 Feb 2026)