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$39,453
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,247/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,479
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,069
−HK$1,194/mo
Today · 4.125%
HK$46,263
baseline
▲ 0.50% · 4.625%
HK$48,702
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,526/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,344
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,817
−HK$1,496/mo
Today · 4.125%
HK$50,313
baseline
▲ 0.50% · 4.625%
HK$53,374
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,626/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,670
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,082
−HK$1,434/mo
Today · 4.125%
HK$55,516
baseline
▲ 0.50% · 4.625%
HK$58,442
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,032/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,235
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,953
−HK$1,746/mo
Today · 4.125%
HK$58,699
baseline
▲ 0.50% · 4.625%
HK$62,270
+HK$3,571/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,398/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,448
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,096
−HK$1,672/mo
Today · 4.125%
HK$64,768
baseline
▲ 0.50% · 4.625%
HK$68,182
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,536/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,016
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,225
−HK$2,245/mo
Today · 4.125%
HK$75,470
baseline
▲ 0.50% · 4.625%
HK$80,062
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,940/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,005
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,124
−HK$2,149/mo
Today · 4.125%
HK$83,273
baseline
▲ 0.50% · 4.625%
HK$87,663
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,546/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,833 · Scale 2, in force from 26 Feb 2026)