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$37,176
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,175/mo
Today · 4.125%
HK$39,508
baseline
▲ 0.50% · 4.625%
HK$41,912
+HK$2,404/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$79,016/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,358
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,467
−HK$1,126/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$45,891
+HK$2,298/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,612
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,999
−HK$1,410/mo
Today · 4.125%
HK$47,409
baseline
▲ 0.50% · 4.625%
HK$50,294
+HK$2,885/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,818/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,630
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,961
−HK$1,350/mo
Today · 4.125%
HK$52,311
baseline
▲ 0.50% · 4.625%
HK$55,069
+HK$2,758/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,622/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,047
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,645/mo
Today · 4.125%
HK$55,311
baseline
▲ 0.50% · 4.625%
HK$58,676
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,622/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,902
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,454
−HK$1,576/mo
Today · 4.125%
HK$61,030
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,217/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,060/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,917
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$68,999
−HK$2,115/mo
Today · 4.125%
HK$71,114
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$4,327/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,228/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,445
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$76,441
−HK$2,026/mo
Today · 4.125%
HK$78,467
baseline
▲ 0.50% · 4.625%
HK$82,603
+HK$4,136/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,934/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,384 · Scale 2, in force from 26 Feb 2026)