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$38,258
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,448
−HK$1,209/mo
Today · 4.125%
HK$40,657
baseline
▲ 0.50% · 4.625%
HK$43,131
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,314/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,562
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,703
−HK$1,158/mo
Today · 4.125%
HK$44,861
baseline
▲ 0.50% · 4.625%
HK$47,226
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,722/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,910
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,338
−HK$1,451/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,969/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,074
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$52,444
−HK$1,390/mo
Today · 4.125%
HK$53,834
baseline
▲ 0.50% · 4.625%
HK$56,671
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,668/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,562
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,228
−HK$1,692/mo
Today · 4.125%
HK$56,920
baseline
▲ 0.50% · 4.625%
HK$60,384
+HK$3,464/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,840/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,587
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,185
−HK$1,621/mo
Today · 4.125%
HK$62,806
baseline
▲ 0.50% · 4.625%
HK$66,117
+HK$3,311/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,612/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,865
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,007
−HK$2,176/mo
Today · 4.125%
HK$73,183
baseline
▲ 0.50% · 4.625%
HK$77,636
+HK$4,453/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,366/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,611
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,666
−HK$2,084/mo
Today · 4.125%
HK$80,750
baseline
▲ 0.50% · 4.625%
HK$85,007
+HK$4,257/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,500/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,177 · Scale 2, in force from 26 Feb 2026)