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$37,425
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,589
−HK$1,182/mo
Today · 4.125%
HK$39,771
baseline
▲ 0.50% · 4.625%
HK$42,191
+HK$2,420/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$79,542/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,634
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,751
−HK$1,133/mo
Today · 4.125%
HK$43,884
baseline
▲ 0.50% · 4.625%
HK$46,197
+HK$2,313/mo
Deposit HK$8.21M · loan HK$8.21M · min. income ≈ HK$87,768/mo (50% DSR)
Upfront cash ≈ HK$8.82M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,306
−HK$1,420/mo
Today · 4.125%
HK$47,726
baseline
▲ 0.50% · 4.625%
HK$50,630
+HK$2,904/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$95,452/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,961
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,301
−HK$1,360/mo
Today · 4.125%
HK$52,661
baseline
▲ 0.50% · 4.625%
HK$55,436
+HK$2,775/mo
Deposit HK$6.56M · loan HK$9.85M · min. income ≈ HK$105,322/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,394
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,656/mo
Today · 4.125%
HK$55,680
baseline
▲ 0.50% · 4.625%
HK$59,068
+HK$3,388/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$111,360/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,288
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,852
−HK$1,585/mo
Today · 4.125%
HK$61,437
baseline
▲ 0.50% · 4.625%
HK$64,676
+HK$3,239/mo
Deposit HK$4.92M · loan HK$11.49M · min. income ≈ HK$122,874/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,364
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$69,460
−HK$2,129/mo
Today · 4.125%
HK$71,589
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$4,356/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$143,178/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,942
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$76,952
−HK$2,039/mo
Today · 4.125%
HK$78,991
baseline
▲ 0.50% · 4.625%
HK$83,155
+HK$4,164/mo
Deposit HK$1.64M · loan HK$14.77M · min. income ≈ HK$157,982/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$615,467 · Scale 2, in force from 26 Feb 2026)