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$39,218
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,438
−HK$1,240/mo
Today · 4.125%
HK$41,678
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,536/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,356/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,630
−HK$2,357/mo
▼ 0.25% · 3.875%
HK$44,800
−HK$1,187/mo
Today · 4.125%
HK$45,987
baseline
▲ 0.50% · 4.625%
HK$48,411
+HK$2,424/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$91,974/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,487/mo
Today · 4.125%
HK$50,013
baseline
▲ 0.50% · 4.625%
HK$53,056
+HK$3,043/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,026/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,760
−HK$1,425/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,093
+HK$2,908/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,370/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,906
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,614
−HK$1,735/mo
Today · 4.125%
HK$58,349
baseline
▲ 0.50% · 4.625%
HK$61,899
+HK$3,550/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$116,698/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,082
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,720
−HK$1,662/mo
Today · 4.125%
HK$64,382
baseline
▲ 0.50% · 4.625%
HK$67,776
+HK$3,394/mo
Deposit HK$5.16M · loan HK$12.04M · min. income ≈ HK$128,764/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,593
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$72,789
−HK$2,231/mo
Today · 4.125%
HK$75,020
baseline
▲ 0.50% · 4.625%
HK$79,585
+HK$4,565/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$150,040/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,534
−HK$4,243/mo
▼ 0.25% · 3.875%
HK$80,640
−HK$2,137/mo
Today · 4.125%
HK$82,777
baseline
▲ 0.50% · 4.625%
HK$87,140
+HK$4,363/mo
Deposit HK$1.72M · loan HK$15.48M · min. income ≈ HK$165,554/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,966 · Scale 2, in force from 26 Feb 2026)