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$39,662
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,896
−HK$1,253/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,124
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,307
−HK$1,201/mo
Today · 4.125%
HK$46,508
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,016/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,595
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,075
−HK$1,504/mo
Today · 4.125%
HK$50,579
baseline
▲ 0.50% · 4.625%
HK$53,657
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,158/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,948
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,369
−HK$1,440/mo
Today · 4.125%
HK$55,809
baseline
▲ 0.50% · 4.625%
HK$58,751
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,618/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,527
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,254
−HK$1,755/mo
Today · 4.125%
HK$59,009
baseline
▲ 0.50% · 4.625%
HK$62,600
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,018/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,773
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,430
−HK$1,681/mo
Today · 4.125%
HK$65,111
baseline
▲ 0.50% · 4.625%
HK$68,543
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,222/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,392
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,613
−HK$2,256/mo
Today · 4.125%
HK$75,869
baseline
▲ 0.50% · 4.625%
HK$80,485
+HK$4,616/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,738/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,423
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,553
−HK$2,161/mo
Today · 4.125%
HK$83,714
baseline
▲ 0.50% · 4.625%
HK$88,126
+HK$4,412/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,428/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,265 · Scale 2, in force from 26 Feb 2026)