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$38,261
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,209/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,565
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$43,707
−HK$1,158/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,451/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,969/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,079
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,448
−HK$1,390/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$56,676
+HK$2,838/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,566
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,232
−HK$1,693/mo
Today · 4.125%
HK$56,925
baseline
▲ 0.50% · 4.625%
HK$60,389
+HK$3,464/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$113,850/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,592
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,190
−HK$1,621/mo
Today · 4.125%
HK$62,811
baseline
▲ 0.50% · 4.625%
HK$66,122
+HK$3,311/mo
Deposit HK$5.03M · loan HK$11.75M · min. income ≈ HK$125,622/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,871
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,013
−HK$2,176/mo
Today · 4.125%
HK$73,189
baseline
▲ 0.50% · 4.625%
HK$77,643
+HK$4,454/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,378/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,618
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,673
−HK$2,084/mo
Today · 4.125%
HK$80,757
baseline
▲ 0.50% · 4.625%
HK$85,014
+HK$4,257/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,514/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,229 · Scale 2, in force from 26 Feb 2026)