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$38,049
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,233
−HK$1,202/mo
Today · 4.125%
HK$40,435
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,461/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,870/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,329
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,151/mo
Today · 4.125%
HK$44,616
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,232/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,659
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,443/mo
Today · 4.125%
HK$48,522
baseline
▲ 0.50% · 4.625%
HK$51,475
+HK$2,953/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,044/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,795
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,157
−HK$1,382/mo
Today · 4.125%
HK$53,539
baseline
▲ 0.50% · 4.625%
HK$56,362
+HK$2,823/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,078/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,269
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,926
−HK$1,683/mo
Today · 4.125%
HK$56,609
baseline
▲ 0.50% · 4.625%
HK$60,054
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,218/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,261
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,850
−HK$1,613/mo
Today · 4.125%
HK$62,463
baseline
▲ 0.50% · 4.625%
HK$65,755
+HK$3,292/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,926/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,488
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,619
−HK$2,164/mo
Today · 4.125%
HK$72,783
baseline
▲ 0.50% · 4.625%
HK$77,212
+HK$4,429/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,566/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,193
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,236
−HK$2,073/mo
Today · 4.125%
HK$80,309
baseline
▲ 0.50% · 4.625%
HK$84,542
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,618/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,738 · Scale 2, in force from 26 Feb 2026)