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$37,162
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,318
−HK$1,175/mo
Today · 4.125%
HK$39,493
baseline
▲ 0.50% · 4.625%
HK$41,896
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,986/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,343
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,452
−HK$1,124/mo
Today · 4.125%
HK$43,576
baseline
▲ 0.50% · 4.625%
HK$45,873
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,152/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,595
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,982
−HK$1,409/mo
Today · 4.125%
HK$47,391
baseline
▲ 0.50% · 4.625%
HK$50,275
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,782/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,611
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,942
−HK$1,350/mo
Today · 4.125%
HK$52,292
baseline
▲ 0.50% · 4.625%
HK$55,048
+HK$2,756/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,584/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,027
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,646
−HK$1,644/mo
Today · 4.125%
HK$55,290
baseline
▲ 0.50% · 4.625%
HK$58,654
+HK$3,364/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,580/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,880
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$59,432
−HK$1,575/mo
Today · 4.125%
HK$61,007
baseline
▲ 0.50% · 4.625%
HK$64,223
+HK$3,216/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,014/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,892
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$68,973
−HK$2,114/mo
Today · 4.125%
HK$71,087
baseline
▲ 0.50% · 4.625%
HK$75,413
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,174/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,417
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,413
−HK$2,025/mo
Today · 4.125%
HK$78,438
baseline
▲ 0.50% · 4.625%
HK$82,572
+HK$4,134/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,876/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,156 · Scale 2, in force from 26 Feb 2026)