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$39,104
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,320
−HK$1,236/mo
Today · 4.125%
HK$41,556
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,112/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,669
−HK$1,184/mo
Today · 4.125%
HK$45,853
baseline
▲ 0.50% · 4.625%
HK$48,270
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,706/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,925
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,483/mo
Today · 4.125%
HK$49,867
baseline
▲ 0.50% · 4.625%
HK$52,901
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,734/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,203
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,603
−HK$1,420/mo
Today · 4.125%
HK$55,023
baseline
▲ 0.50% · 4.625%
HK$57,924
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,046/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,745
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,448
−HK$1,730/mo
Today · 4.125%
HK$58,178
baseline
▲ 0.50% · 4.625%
HK$61,718
+HK$3,540/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,356/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,904
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,537
−HK$1,657/mo
Today · 4.125%
HK$64,194
baseline
▲ 0.50% · 4.625%
HK$67,578
+HK$3,384/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,388/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,387
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$2,225/mo
Today · 4.125%
HK$74,801
baseline
▲ 0.50% · 4.625%
HK$79,352
+HK$4,551/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,602/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,305
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,405
−HK$2,130/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$86,886
+HK$4,351/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,082 · Scale 2, in force from 26 Feb 2026)