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$39,594
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,826
−HK$1,251/mo
Today · 4.125%
HK$42,077
baseline
▲ 0.50% · 4.625%
HK$44,638
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,154/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,048
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,230
−HK$1,198/mo
Today · 4.125%
HK$46,428
baseline
▲ 0.50% · 4.625%
HK$48,876
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,856/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,513
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,991
−HK$1,502/mo
Today · 4.125%
HK$50,493
baseline
▲ 0.50% · 4.625%
HK$53,565
+HK$3,072/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,986/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,858
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,276
−HK$1,438/mo
Today · 4.125%
HK$55,714
baseline
▲ 0.50% · 4.625%
HK$58,651
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,428/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,432
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,157
−HK$1,751/mo
Today · 4.125%
HK$58,908
baseline
▲ 0.50% · 4.625%
HK$62,493
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,816/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,668
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,322
−HK$1,678/mo
Today · 4.125%
HK$65,000
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$130,000/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,270
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,487
−HK$2,252/mo
Today · 4.125%
HK$75,739
baseline
▲ 0.50% · 4.625%
HK$80,348
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,478/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,287
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,414
−HK$2,157/mo
Today · 4.125%
HK$83,571
baseline
▲ 0.50% · 4.625%
HK$87,976
+HK$4,405/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,142/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,152 · Scale 2, in force from 26 Feb 2026)