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$37,147
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,174/mo
Today · 4.125%
HK$39,477
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,402/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,954/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,326
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,434
−HK$1,125/mo
Today · 4.125%
HK$43,559
baseline
▲ 0.50% · 4.625%
HK$45,855
+HK$2,296/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,118/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,577
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,964
−HK$1,408/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$50,255
+HK$2,883/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,591
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,921
−HK$1,350/mo
Today · 4.125%
HK$52,271
baseline
▲ 0.50% · 4.625%
HK$55,026
+HK$2,755/mo
Deposit HK$6.52M · loan HK$9.77M · min. income ≈ HK$104,542/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,006
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$53,624
−HK$1,644/mo
Today · 4.125%
HK$55,268
baseline
▲ 0.50% · 4.625%
HK$58,631
+HK$3,363/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$110,536/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,857
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$59,408
−HK$1,574/mo
Today · 4.125%
HK$60,982
baseline
▲ 0.50% · 4.625%
HK$64,197
+HK$3,215/mo
Deposit HK$4.89M · loan HK$11.40M · min. income ≈ HK$121,964/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,865
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$68,945
−HK$2,113/mo
Today · 4.125%
HK$71,058
baseline
▲ 0.50% · 4.625%
HK$75,382
+HK$4,324/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$142,116/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,387
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$76,382
−HK$2,024/mo
Today · 4.125%
HK$78,406
baseline
▲ 0.50% · 4.625%
HK$82,539
+HK$4,133/mo
Deposit HK$1.63M · loan HK$14.66M · min. income ≈ HK$156,812/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$610,909 · Scale 2, in force from 26 Feb 2026)