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$38,119
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,305
−HK$1,205/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,975
+HK$2,465/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,407
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,545
−HK$1,154/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,055
+HK$2,356/mo
Deposit HK$8.36M · loan HK$8.36M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,743
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,446/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,570
+HK$2,958/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,889
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,254
−HK$1,384/mo
Today · 4.125%
HK$53,638
baseline
▲ 0.50% · 4.625%
HK$56,466
+HK$2,828/mo
Deposit HK$6.69M · loan HK$10.03M · min. income ≈ HK$107,276/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,367
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,027
−HK$1,687/mo
Today · 4.125%
HK$56,714
baseline
▲ 0.50% · 4.625%
HK$60,165
+HK$3,451/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$113,428/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,370
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,963
−HK$1,615/mo
Today · 4.125%
HK$62,578
baseline
▲ 0.50% · 4.625%
HK$65,877
+HK$3,299/mo
Deposit HK$5.02M · loan HK$11.70M · min. income ≈ HK$125,156/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,615
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,749
−HK$2,169/mo
Today · 4.125%
HK$72,918
baseline
▲ 0.50% · 4.625%
HK$77,355
+HK$4,437/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$145,836/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,333
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,381
−HK$2,076/mo
Today · 4.125%
HK$80,457
baseline
▲ 0.50% · 4.625%
HK$84,698
+HK$4,241/mo
Deposit HK$1.67M · loan HK$15.05M · min. income ≈ HK$160,914/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$626,894 · Scale 2, in force from 26 Feb 2026)