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$38,490
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,216/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,392
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,819
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,165/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,460/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$52,071
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,383
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,761
−HK$1,398/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,014
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,885
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,562
−HK$1,703/mo
Today · 4.125%
HK$57,265
baseline
▲ 0.50% · 4.625%
HK$60,749
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,530/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,947
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,555
−HK$1,631/mo
Today · 4.125%
HK$63,186
baseline
▲ 0.50% · 4.625%
HK$66,516
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,372/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,281
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,436
−HK$2,190/mo
Today · 4.125%
HK$73,626
baseline
▲ 0.50% · 4.625%
HK$78,106
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,252/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,075
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,142
−HK$2,097/mo
Today · 4.125%
HK$81,239
baseline
▲ 0.50% · 4.625%
HK$85,521
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,478/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,982 · Scale 2, in force from 26 Feb 2026)