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$39,331
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,555
−HK$1,243/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,341
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,756
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,929
−HK$1,191/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,666
−HK$1,491/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$53,209
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,507
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,915
−HK$1,428/mo
Today · 4.125%
HK$55,343
baseline
▲ 0.50% · 4.625%
HK$58,261
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,686/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,064
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,777
−HK$1,740/mo
Today · 4.125%
HK$58,517
baseline
▲ 0.50% · 4.625%
HK$62,077
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,034/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,258
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,901
−HK$1,666/mo
Today · 4.125%
HK$64,567
baseline
▲ 0.50% · 4.625%
HK$67,971
+HK$3,404/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,134/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,796
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$72,998
−HK$2,238/mo
Today · 4.125%
HK$75,236
baseline
▲ 0.50% · 4.625%
HK$79,814
+HK$4,578/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,472/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,760
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,872
−HK$2,143/mo
Today · 4.125%
HK$83,015
baseline
▲ 0.50% · 4.625%
HK$87,391
+HK$4,376/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,030/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,823 · Scale 2, in force from 26 Feb 2026)