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$37,168
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,175/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,403/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,349
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,125/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,297/mo
Deposit HK$8.15M · loan HK$8.15M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$8.76M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,601
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,409/mo
Today · 4.125%
HK$47,398
baseline
▲ 0.50% · 4.625%
HK$50,282
+HK$2,884/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$94,796/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,619
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,949
−HK$1,350/mo
Today · 4.125%
HK$52,299
baseline
▲ 0.50% · 4.625%
HK$55,056
+HK$2,757/mo
Deposit HK$6.52M · loan HK$9.78M · min. income ≈ HK$104,598/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,035
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,644/mo
Today · 4.125%
HK$55,298
baseline
▲ 0.50% · 4.625%
HK$58,663
+HK$3,365/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$110,596/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,888
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$59,441
−HK$1,575/mo
Today · 4.125%
HK$61,016
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,216/mo
Deposit HK$4.89M · loan HK$11.41M · min. income ≈ HK$122,032/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$68,983
−HK$2,115/mo
Today · 4.125%
HK$71,098
baseline
▲ 0.50% · 4.625%
HK$75,424
+HK$4,326/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$142,196/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,428
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,424
−HK$2,025/mo
Today · 4.125%
HK$78,449
baseline
▲ 0.50% · 4.625%
HK$82,584
+HK$4,135/mo
Deposit HK$1.63M · loan HK$14.67M · min. income ≈ HK$156,898/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$611,246 · Scale 2, in force from 26 Feb 2026)