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$37,039
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,171/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,757
+HK$2,395/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,206
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,121/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,289/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$8.73M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,447
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,404/mo
Today · 4.125%
HK$47,234
baseline
▲ 0.50% · 4.625%
HK$50,108
+HK$2,874/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$94,468/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,447
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,773
−HK$1,345/mo
Today · 4.125%
HK$52,118
baseline
▲ 0.50% · 4.625%
HK$54,866
+HK$2,748/mo
Deposit HK$6.50M · loan HK$9.75M · min. income ≈ HK$104,236/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,855
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$53,468
−HK$1,639/mo
Today · 4.125%
HK$55,107
baseline
▲ 0.50% · 4.625%
HK$58,460
+HK$3,353/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$110,214/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,688
−HK$3,117/mo
▼ 0.25% · 3.875%
HK$59,235
−HK$1,570/mo
Today · 4.125%
HK$60,805
baseline
▲ 0.50% · 4.625%
HK$64,010
+HK$3,205/mo
Deposit HK$4.87M · loan HK$11.37M · min. income ≈ HK$121,610/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,671
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$68,744
−HK$2,107/mo
Today · 4.125%
HK$70,851
baseline
▲ 0.50% · 4.625%
HK$75,162
+HK$4,311/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$141,702/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,170
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$76,159
−HK$2,018/mo
Today · 4.125%
HK$78,177
baseline
▲ 0.50% · 4.625%
HK$82,298
+HK$4,121/mo
Deposit HK$1.62M · loan HK$14.62M · min. income ≈ HK$156,354/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$609,129 · Scale 2, in force from 26 Feb 2026)