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$38,184
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,206/mo
Today · 4.125%
HK$40,578
baseline
▲ 0.50% · 4.625%
HK$43,047
+HK$2,469/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$81,156/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,479
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$43,618
−HK$1,156/mo
Today · 4.125%
HK$44,774
baseline
▲ 0.50% · 4.625%
HK$47,134
+HK$2,360/mo
Deposit HK$8.37M · loan HK$8.37M · min. income ≈ HK$89,548/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,448/mo
Today · 4.125%
HK$48,694
baseline
▲ 0.50% · 4.625%
HK$51,657
+HK$2,963/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$97,388/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,975
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,342
−HK$1,387/mo
Today · 4.125%
HK$53,729
baseline
▲ 0.50% · 4.625%
HK$56,561
+HK$2,832/mo
Deposit HK$6.70M · loan HK$10.05M · min. income ≈ HK$107,458/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,457
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,120
−HK$1,690/mo
Today · 4.125%
HK$56,810
baseline
▲ 0.50% · 4.625%
HK$60,266
+HK$3,456/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$113,620/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,471
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,066
−HK$1,618/mo
Today · 4.125%
HK$62,684
baseline
▲ 0.50% · 4.625%
HK$65,988
+HK$3,304/mo
Deposit HK$5.02M · loan HK$11.72M · min. income ≈ HK$125,368/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,731
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,869
−HK$2,172/mo
Today · 4.125%
HK$73,041
baseline
▲ 0.50% · 4.625%
HK$77,485
+HK$4,444/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$146,082/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,463
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,513
−HK$2,081/mo
Today · 4.125%
HK$80,594
baseline
▲ 0.50% · 4.625%
HK$84,842
+HK$4,248/mo
Deposit HK$1.67M · loan HK$15.07M · min. income ≈ HK$161,188/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$627,954 · Scale 2, in force from 26 Feb 2026)