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$39,533
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,763
−HK$1,249/mo
Today · 4.125%
HK$42,012
baseline
▲ 0.50% · 4.625%
HK$44,569
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,024/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,980
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,160
−HK$1,197/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$48,800
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,440
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,499/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,483
+HK$3,068/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,830/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,192
−HK$1,436/mo
Today · 4.125%
HK$55,628
baseline
▲ 0.50% · 4.625%
HK$58,560
+HK$2,932/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,256/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,347
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,068
−HK$1,749/mo
Today · 4.125%
HK$58,817
baseline
▲ 0.50% · 4.625%
HK$62,396
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,634/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,573
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,224
−HK$1,675/mo
Today · 4.125%
HK$64,899
baseline
▲ 0.50% · 4.625%
HK$68,320
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,798/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,160
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,373
−HK$2,249/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$80,224
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,165
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,288
−HK$2,154/mo
Today · 4.125%
HK$83,442
baseline
▲ 0.50% · 4.625%
HK$87,840
+HK$4,398/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,884/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,147 · Scale 2, in force from 26 Feb 2026)