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$39,939
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,181
−HK$1,262/mo
Today · 4.125%
HK$42,443
baseline
▲ 0.50% · 4.625%
HK$45,026
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,886/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,431
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,623
−HK$1,209/mo
Today · 4.125%
HK$46,832
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,664/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,926
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,417
−HK$1,515/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$54,031
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,318
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,748
−HK$1,450/mo
Today · 4.125%
HK$56,198
baseline
▲ 0.50% · 4.625%
HK$59,161
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,396/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,914
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,653
−HK$1,767/mo
Today · 4.125%
HK$59,420
baseline
▲ 0.50% · 4.625%
HK$63,036
+HK$3,616/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,840/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,204
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,872
−HK$1,693/mo
Today · 4.125%
HK$65,565
baseline
▲ 0.50% · 4.625%
HK$69,021
+HK$3,456/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,130/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,890
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,126
−HK$2,272/mo
Today · 4.125%
HK$76,398
baseline
▲ 0.50% · 4.625%
HK$81,046
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,796/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,977
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,121
−HK$2,176/mo
Today · 4.125%
HK$84,297
baseline
▲ 0.50% · 4.625%
HK$88,741
+HK$4,444/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,594/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,813 · Scale 2, in force from 26 Feb 2026)