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$37,339
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,180/mo
Today · 4.125%
HK$39,680
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,415/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$79,360/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,131/mo
Today · 4.125%
HK$43,784
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,307/mo
Deposit HK$8.19M · loan HK$8.19M · min. income ≈ HK$87,568/mo (50% DSR)
Upfront cash ≈ HK$8.80M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,807
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,201
−HK$1,416/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,514
+HK$2,897/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,847
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,184
−HK$1,356/mo
Today · 4.125%
HK$52,540
baseline
▲ 0.50% · 4.625%
HK$55,310
+HK$2,770/mo
Deposit HK$6.55M · loan HK$9.82M · min. income ≈ HK$105,080/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,275
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$53,901
−HK$1,652/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,933
+HK$3,380/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,155
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$59,715
−HK$1,582/mo
Today · 4.125%
HK$61,297
baseline
▲ 0.50% · 4.625%
HK$64,528
+HK$3,231/mo
Deposit HK$4.91M · loan HK$11.46M · min. income ≈ HK$122,594/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,210
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,301
−HK$2,124/mo
Today · 4.125%
HK$71,425
baseline
▲ 0.50% · 4.625%
HK$75,771
+HK$4,346/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$142,850/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,771
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,776
−HK$2,034/mo
Today · 4.125%
HK$78,810
baseline
▲ 0.50% · 4.625%
HK$82,965
+HK$4,155/mo
Deposit HK$1.64M · loan HK$14.74M · min. income ≈ HK$157,620/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$614,060 · Scale 2, in force from 26 Feb 2026)