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$37,011
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,170/mo
Today · 4.125%
HK$39,332
baseline
▲ 0.50% · 4.625%
HK$41,725
+HK$2,393/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$78,664/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,174
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,278
−HK$1,121/mo
Today · 4.125%
HK$43,399
baseline
▲ 0.50% · 4.625%
HK$45,686
+HK$2,287/mo
Deposit HK$8.12M · loan HK$8.12M · min. income ≈ HK$86,798/mo (50% DSR)
Upfront cash ≈ HK$8.72M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,795
−HK$1,403/mo
Today · 4.125%
HK$47,198
baseline
▲ 0.50% · 4.625%
HK$50,070
+HK$2,872/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$94,396/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,409
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,344/mo
Today · 4.125%
HK$52,078
baseline
▲ 0.50% · 4.625%
HK$54,824
+HK$2,746/mo
Deposit HK$6.49M · loan HK$9.74M · min. income ≈ HK$104,156/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,815
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$53,427
−HK$1,637/mo
Today · 4.125%
HK$55,064
baseline
▲ 0.50% · 4.625%
HK$58,415
+HK$3,351/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$110,128/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,644
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$59,190
−HK$1,568/mo
Today · 4.125%
HK$60,758
baseline
▲ 0.50% · 4.625%
HK$63,961
+HK$3,203/mo
Deposit HK$4.87M · loan HK$11.36M · min. income ≈ HK$121,516/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,620
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$68,692
−HK$2,105/mo
Today · 4.125%
HK$70,797
baseline
▲ 0.50% · 4.625%
HK$75,105
+HK$4,308/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$141,594/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,114
−HK$4,004/mo
▼ 0.25% · 3.875%
HK$76,101
−HK$2,017/mo
Today · 4.125%
HK$78,118
baseline
▲ 0.50% · 4.625%
HK$82,235
+HK$4,117/mo
Deposit HK$1.62M · loan HK$14.61M · min. income ≈ HK$156,236/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$608,663 · Scale 2, in force from 26 Feb 2026)