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$37,514
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,186/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$42,293
+HK$2,426/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$79,734/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,135/mo
Today · 4.125%
HK$43,989
baseline
▲ 0.50% · 4.625%
HK$46,308
+HK$2,319/mo
Deposit HK$8.23M · loan HK$8.23M · min. income ≈ HK$87,978/mo (50% DSR)
Upfront cash ≈ HK$8.84M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,017
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$46,418
−HK$1,422/mo
Today · 4.125%
HK$47,840
baseline
▲ 0.50% · 4.625%
HK$50,751
+HK$2,911/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$95,680/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,081
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,425
−HK$1,362/mo
Today · 4.125%
HK$52,787
baseline
▲ 0.50% · 4.625%
HK$55,570
+HK$2,783/mo
Deposit HK$6.58M · loan HK$9.87M · min. income ≈ HK$105,574/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,520
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$54,154
−HK$1,660/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$59,210
+HK$3,396/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,428
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$59,995
−HK$1,590/mo
Today · 4.125%
HK$61,585
baseline
▲ 0.50% · 4.625%
HK$64,831
+HK$3,246/mo
Deposit HK$4.94M · loan HK$11.52M · min. income ≈ HK$123,170/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,526
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$2,134/mo
Today · 4.125%
HK$71,761
baseline
▲ 0.50% · 4.625%
HK$76,127
+HK$4,366/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$143,522/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,122
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,044/mo
Today · 4.125%
HK$79,181
baseline
▲ 0.50% · 4.625%
HK$83,354
+HK$4,173/mo
Deposit HK$1.65M · loan HK$14.81M · min. income ≈ HK$158,362/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$616,946 · Scale 2, in force from 26 Feb 2026)