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$39,711
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,947
−HK$1,255/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,567/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,178
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,363
−HK$1,202/mo
Today · 4.125%
HK$46,565
baseline
▲ 0.50% · 4.625%
HK$49,020
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,130/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,654
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,136
−HK$1,506/mo
Today · 4.125%
HK$50,642
baseline
▲ 0.50% · 4.625%
HK$53,723
+HK$3,081/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,284/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,014
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,436
−HK$1,442/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$58,824
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,596
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,325
−HK$1,757/mo
Today · 4.125%
HK$59,082
baseline
▲ 0.50% · 4.625%
HK$62,677
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,164/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,850
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,509
−HK$1,682/mo
Today · 4.125%
HK$65,191
baseline
▲ 0.50% · 4.625%
HK$68,628
+HK$3,437/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,382/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,480
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,704
−HK$2,259/mo
Today · 4.125%
HK$75,963
baseline
▲ 0.50% · 4.625%
HK$80,585
+HK$4,622/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,926/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,521
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,654
−HK$2,163/mo
Today · 4.125%
HK$83,817
baseline
▲ 0.50% · 4.625%
HK$88,236
+HK$4,419/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,634/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,074 · Scale 2, in force from 26 Feb 2026)