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$39,022
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,233/mo
Today · 4.125%
HK$41,469
baseline
▲ 0.50% · 4.625%
HK$43,993
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,938/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,412
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,576
−HK$1,181/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,169
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,827
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,283
−HK$1,480/mo
Today · 4.125%
HK$49,763
baseline
▲ 0.50% · 4.625%
HK$52,791
+HK$3,028/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,526/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,094
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,491
−HK$1,418/mo
Today · 4.125%
HK$54,909
baseline
▲ 0.50% · 4.625%
HK$57,803
+HK$2,894/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,818/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,631
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,331
−HK$1,726/mo
Today · 4.125%
HK$58,057
baseline
▲ 0.50% · 4.625%
HK$61,590
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,114/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,777
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,407
−HK$1,653/mo
Today · 4.125%
HK$64,060
baseline
▲ 0.50% · 4.625%
HK$67,437
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,120/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,240
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,425
−HK$2,220/mo
Today · 4.125%
HK$74,645
baseline
▲ 0.50% · 4.625%
HK$79,187
+HK$4,542/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,290/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,141
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,237
−HK$2,126/mo
Today · 4.125%
HK$82,363
baseline
▲ 0.50% · 4.625%
HK$86,705
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,726/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,743 · Scale 2, in force from 26 Feb 2026)