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$39,036
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,250
−HK$1,234/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$44,008
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,427
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,181/mo
Today · 4.125%
HK$45,773
baseline
▲ 0.50% · 4.625%
HK$48,186
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,546/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,300
−HK$1,481/mo
Today · 4.125%
HK$49,781
baseline
▲ 0.50% · 4.625%
HK$52,810
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,562/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,113
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,510
−HK$1,418/mo
Today · 4.125%
HK$54,928
baseline
▲ 0.50% · 4.625%
HK$57,823
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,856/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,650
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,350
−HK$1,727/mo
Today · 4.125%
HK$58,077
baseline
▲ 0.50% · 4.625%
HK$61,611
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,154/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,798
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,429
−HK$1,654/mo
Today · 4.125%
HK$64,083
baseline
▲ 0.50% · 4.625%
HK$67,461
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,166/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,265
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,450
−HK$2,221/mo
Today · 4.125%
HK$74,671
baseline
▲ 0.50% · 4.625%
HK$79,215
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,342/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,169
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,265
−HK$2,127/mo
Today · 4.125%
HK$82,392
baseline
▲ 0.50% · 4.625%
HK$86,735
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,784/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,967 · Scale 2, in force from 26 Feb 2026)