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$38,156
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,206/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$43,016
+HK$2,468/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$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,448
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,586
−HK$1,155/mo
Today · 4.125%
HK$44,741
baseline
▲ 0.50% · 4.625%
HK$47,099
+HK$2,358/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,482/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,787
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$47,211
−HK$1,447/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,619
+HK$2,961/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,937
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$52,303
−HK$1,386/mo
Today · 4.125%
HK$53,689
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$2,830/mo
Deposit HK$6.69M · loan HK$10.04M · min. income ≈ HK$107,378/mo (50% DSR)
Upfront cash ≈ HK$7.32M (deposit + AVD stamp duty HK$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,418
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,079
−HK$1,689/mo
Today · 4.125%
HK$56,768
baseline
▲ 0.50% · 4.625%
HK$60,222
+HK$3,454/mo
Deposit HK$5.02M · loan HK$11.71M · min. income ≈ HK$113,536/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,427
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,021
−HK$1,616/mo
Today · 4.125%
HK$62,637
baseline
▲ 0.50% · 4.625%
HK$65,939
+HK$3,302/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$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,680
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,816
−HK$2,171/mo
Today · 4.125%
HK$72,987
baseline
▲ 0.50% · 4.625%
HK$77,428
+HK$4,441/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$145,974/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,406
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,455
−HK$2,079/mo
Today · 4.125%
HK$80,534
baseline
▲ 0.50% · 4.625%
HK$84,779
+HK$4,245/mo
Deposit HK$1.67M · loan HK$15.06M · min. income ≈ HK$161,068/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,488 · Scale 2, in force from 26 Feb 2026)