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$37,268
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,427
−HK$1,178/mo
Today · 4.125%
HK$39,605
baseline
▲ 0.50% · 4.625%
HK$42,015
+HK$2,410/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$79,210/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,460
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,572
−HK$1,128/mo
Today · 4.125%
HK$43,700
baseline
▲ 0.50% · 4.625%
HK$46,004
+HK$2,304/mo
Deposit HK$8.17M · loan HK$8.17M · min. income ≈ HK$87,400/mo (50% DSR)
Upfront cash ≈ HK$8.78M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,722
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,113
−HK$1,413/mo
Today · 4.125%
HK$47,526
baseline
▲ 0.50% · 4.625%
HK$50,418
+HK$2,892/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$95,052/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,752
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,087
−HK$1,353/mo
Today · 4.125%
HK$52,440
baseline
▲ 0.50% · 4.625%
HK$55,204
+HK$2,764/mo
Deposit HK$6.54M · loan HK$9.81M · min. income ≈ HK$104,880/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,175
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,798
−HK$1,649/mo
Today · 4.125%
HK$55,447
baseline
▲ 0.50% · 4.625%
HK$58,821
+HK$3,374/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$110,894/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,044
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$59,601
−HK$1,579/mo
Today · 4.125%
HK$61,180
baseline
▲ 0.50% · 4.625%
HK$64,405
+HK$3,225/mo
Deposit HK$4.90M · loan HK$11.44M · min. income ≈ HK$122,360/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,082
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$69,169
−HK$2,120/mo
Today · 4.125%
HK$71,289
baseline
▲ 0.50% · 4.625%
HK$75,627
+HK$4,338/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$142,578/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$76,630
−HK$2,030/mo
Today · 4.125%
HK$78,660
baseline
▲ 0.50% · 4.625%
HK$82,807
+HK$4,147/mo
Deposit HK$1.63M · loan HK$14.71M · min. income ≈ HK$157,320/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$612,891 · Scale 2, in force from 26 Feb 2026)