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$39,147
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,237/mo
Today · 4.125%
HK$41,602
baseline
▲ 0.50% · 4.625%
HK$44,133
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,204/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,551
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,719
−HK$1,184/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,323
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,976
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,438
−HK$1,484/mo
Today · 4.125%
HK$49,922
baseline
▲ 0.50% · 4.625%
HK$52,960
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,844/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,261
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,662
−HK$1,422/mo
Today · 4.125%
HK$55,084
baseline
▲ 0.50% · 4.625%
HK$57,988
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,168/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,806
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,511
−HK$1,732/mo
Today · 4.125%
HK$58,243
baseline
▲ 0.50% · 4.625%
HK$61,786
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,486/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,971
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,606
−HK$1,659/mo
Today · 4.125%
HK$64,265
baseline
▲ 0.50% · 4.625%
HK$67,652
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,530/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,465
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$2,227/mo
Today · 4.125%
HK$74,883
baseline
▲ 0.50% · 4.625%
HK$79,440
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,766/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,391
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,493
−HK$2,133/mo
Today · 4.125%
HK$82,626
baseline
▲ 0.50% · 4.625%
HK$86,982
+HK$4,356/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,252/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,792 · Scale 2, in force from 26 Feb 2026)