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$38,111
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,205/mo
Today · 4.125%
HK$40,501
baseline
▲ 0.50% · 4.625%
HK$42,965
+HK$2,464/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,002/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,398
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$43,535
−HK$1,154/mo
Today · 4.125%
HK$44,689
baseline
▲ 0.50% · 4.625%
HK$47,044
+HK$2,355/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,378/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,733
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,445/mo
Today · 4.125%
HK$48,601
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,957/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,202/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,877
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,242
−HK$1,384/mo
Today · 4.125%
HK$53,626
baseline
▲ 0.50% · 4.625%
HK$56,453
+HK$2,827/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,252/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,355
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,686/mo
Today · 4.125%
HK$56,701
baseline
▲ 0.50% · 4.625%
HK$60,151
+HK$3,450/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$113,402/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,357
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,949
−HK$1,615/mo
Today · 4.125%
HK$62,564
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,298/mo
Deposit HK$5.01M · loan HK$11.70M · min. income ≈ HK$125,128/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,599
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,733
−HK$2,168/mo
Today · 4.125%
HK$72,901
baseline
▲ 0.50% · 4.625%
HK$77,337
+HK$4,436/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$145,802/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,316
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,363
−HK$2,076/mo
Today · 4.125%
HK$80,439
baseline
▲ 0.50% · 4.625%
HK$84,679
+HK$4,240/mo
Deposit HK$1.67M · loan HK$15.04M · min. income ≈ HK$160,878/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,753 · Scale 2, in force from 26 Feb 2026)