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$39,339
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,243/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,544/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,764
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,938
−HK$1,191/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,560
+HK$2,431/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,207
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,675
−HK$1,492/mo
Today · 4.125%
HK$50,167
baseline
▲ 0.50% · 4.625%
HK$53,219
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,334/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,517
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,925
−HK$1,429/mo
Today · 4.125%
HK$55,354
baseline
▲ 0.50% · 4.625%
HK$58,272
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,708/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,074
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,788
−HK$1,740/mo
Today · 4.125%
HK$58,528
baseline
▲ 0.50% · 4.625%
HK$62,089
+HK$3,561/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,056/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,270
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,913
−HK$1,667/mo
Today · 4.125%
HK$64,580
baseline
▲ 0.50% · 4.625%
HK$67,984
+HK$3,404/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,160/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,810
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,013
−HK$2,237/mo
Today · 4.125%
HK$75,250
baseline
▲ 0.50% · 4.625%
HK$79,829
+HK$4,579/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,500/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,775
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,888
−HK$2,143/mo
Today · 4.125%
HK$83,031
baseline
▲ 0.50% · 4.625%
HK$87,408
+HK$4,377/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,062/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,948 · Scale 2, in force from 26 Feb 2026)