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$38,155
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,206/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$43,015
+HK$2,467/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,096/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,447
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,155/mo
Today · 4.125%
HK$44,740
baseline
▲ 0.50% · 4.625%
HK$47,099
+HK$2,359/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,480/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,786
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,210
−HK$1,447/mo
Today · 4.125%
HK$48,657
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,314/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,936
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,385/mo
Today · 4.125%
HK$53,688
baseline
▲ 0.50% · 4.625%
HK$56,518
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,376/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,417
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,079
−HK$1,688/mo
Today · 4.125%
HK$56,767
baseline
▲ 0.50% · 4.625%
HK$60,221
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,534/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,426
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,020
−HK$1,617/mo
Today · 4.125%
HK$62,637
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,274/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,679
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,815
−HK$2,171/mo
Today · 4.125%
HK$72,986
baseline
▲ 0.50% · 4.625%
HK$77,427
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,972/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,405
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,454
−HK$2,079/mo
Today · 4.125%
HK$80,533
baseline
▲ 0.50% · 4.625%
HK$84,778
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,066/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,480 · Scale 2, in force from 26 Feb 2026)