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$38,147
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,334
−HK$1,205/mo
Today · 4.125%
HK$40,539
baseline
▲ 0.50% · 4.625%
HK$43,006
+HK$2,467/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,078/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,439
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,577
−HK$1,154/mo
Today · 4.125%
HK$44,731
baseline
▲ 0.50% · 4.625%
HK$47,089
+HK$2,358/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,462/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,777
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,446/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,960/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,926
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,292
−HK$1,386/mo
Today · 4.125%
HK$53,678
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$2,829/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,356/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,406
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,067
−HK$1,688/mo
Today · 4.125%
HK$56,755
baseline
▲ 0.50% · 4.625%
HK$60,209
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,510/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,414
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,007
−HK$1,617/mo
Today · 4.125%
HK$62,624
baseline
▲ 0.50% · 4.625%
HK$65,925
+HK$3,301/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$125,248/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,665
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$70,801
−HK$2,170/mo
Today · 4.125%
HK$72,971
baseline
▲ 0.50% · 4.625%
HK$77,411
+HK$4,440/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,942/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,389
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,438
−HK$2,078/mo
Today · 4.125%
HK$80,516
baseline
▲ 0.50% · 4.625%
HK$84,761
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,032/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,353 · Scale 2, in force from 26 Feb 2026)