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$39,171
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,238/mo
Today · 4.125%
HK$41,627
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,254/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,577
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,746
−HK$1,186/mo
Today · 4.125%
HK$45,932
baseline
▲ 0.50% · 4.625%
HK$48,353
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,864/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,005
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,467
−HK$1,486/mo
Today · 4.125%
HK$49,953
baseline
▲ 0.50% · 4.625%
HK$52,992
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,906/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,293
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,695
−HK$1,423/mo
Today · 4.125%
HK$55,118
baseline
▲ 0.50% · 4.625%
HK$58,023
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,236/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,839
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,733/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,008
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,644
−HK$1,660/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,508
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,701
−HK$2,228/mo
Today · 4.125%
HK$74,929
baseline
▲ 0.50% · 4.625%
HK$79,488
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,858/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,439
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,543
−HK$2,134/mo
Today · 4.125%
HK$82,677
baseline
▲ 0.50% · 4.625%
HK$87,035
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,354/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,187 · Scale 2, in force from 26 Feb 2026)