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$38,287
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,478
−HK$1,210/mo
Today · 4.125%
HK$40,688
baseline
▲ 0.50% · 4.625%
HK$43,164
+HK$2,476/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$81,376/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,594
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,737
−HK$1,158/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,262
+HK$2,367/mo
Deposit HK$8.40M · loan HK$8.40M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,945
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,374
−HK$1,452/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,797
+HK$2,971/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,113
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,484
−HK$1,391/mo
Today · 4.125%
HK$53,875
baseline
▲ 0.50% · 4.625%
HK$56,714
+HK$2,839/mo
Deposit HK$6.72M · loan HK$10.07M · min. income ≈ HK$107,750/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,602
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,270
−HK$1,694/mo
Today · 4.125%
HK$56,964
baseline
▲ 0.50% · 4.625%
HK$60,430
+HK$3,466/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$113,928/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,632
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,231
−HK$1,623/mo
Today · 4.125%
HK$62,854
baseline
▲ 0.50% · 4.625%
HK$66,167
+HK$3,313/mo
Deposit HK$5.04M · loan HK$11.75M · min. income ≈ HK$125,708/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,917
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,061
−HK$2,178/mo
Today · 4.125%
HK$73,239
baseline
▲ 0.50% · 4.625%
HK$77,695
+HK$4,456/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$146,478/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,670
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,726
−HK$2,086/mo
Today · 4.125%
HK$80,812
baseline
▲ 0.50% · 4.625%
HK$85,072
+HK$4,260/mo
Deposit HK$1.68M · loan HK$15.11M · min. income ≈ HK$161,624/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,655 · Scale 2, in force from 26 Feb 2026)