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$39,596
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,828
−HK$1,251/mo
Today · 4.125%
HK$42,079
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,158/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,050
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,231
−HK$1,199/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,515
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,993
−HK$1,502/mo
Today · 4.125%
HK$50,495
baseline
▲ 0.50% · 4.625%
HK$53,567
+HK$3,072/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,990/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,860
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,278
−HK$1,438/mo
Today · 4.125%
HK$55,716
baseline
▲ 0.50% · 4.625%
HK$58,653
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,432/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,434
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,159
−HK$1,751/mo
Today · 4.125%
HK$58,910
baseline
▲ 0.50% · 4.625%
HK$62,495
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,820/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,670
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,324
−HK$1,678/mo
Today · 4.125%
HK$65,002
baseline
▲ 0.50% · 4.625%
HK$68,428
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,004/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,273
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,490
−HK$2,252/mo
Today · 4.125%
HK$75,742
baseline
▲ 0.50% · 4.625%
HK$80,351
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,484/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,290
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,417
−HK$2,157/mo
Today · 4.125%
HK$83,574
baseline
▲ 0.50% · 4.625%
HK$87,979
+HK$4,405/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,148/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,176 · Scale 2, in force from 26 Feb 2026)