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$39,243
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$40,463
−HK$1,240/mo
Today · 4.125%
HK$41,703
baseline
▲ 0.50% · 4.625%
HK$44,241
+HK$2,538/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,406/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,657
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,828
−HK$1,188/mo
Today · 4.125%
HK$46,016
baseline
▲ 0.50% · 4.625%
HK$48,441
+HK$2,425/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,032/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,091
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,556
−HK$1,488/mo
Today · 4.125%
HK$50,044
baseline
▲ 0.50% · 4.625%
HK$53,089
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,088/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,388
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,793
−HK$1,426/mo
Today · 4.125%
HK$55,219
baseline
▲ 0.50% · 4.625%
HK$58,129
+HK$2,910/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,438/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,940
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,648
−HK$1,737/mo
Today · 4.125%
HK$58,385
baseline
▲ 0.50% · 4.625%
HK$61,937
+HK$3,552/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,770/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,120
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,759
−HK$1,663/mo
Today · 4.125%
HK$64,422
baseline
▲ 0.50% · 4.625%
HK$67,818
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,844/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,637
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,834
−HK$2,232/mo
Today · 4.125%
HK$75,066
baseline
▲ 0.50% · 4.625%
HK$79,634
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,132/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,582
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,690
−HK$2,138/mo
Today · 4.125%
HK$82,828
baseline
▲ 0.50% · 4.625%
HK$87,194
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,656/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,364 · Scale 2, in force from 26 Feb 2026)