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$38,709
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,913
−HK$1,224/mo
Today · 4.125%
HK$41,137
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,503/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,274/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,064
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,219
−HK$1,171/mo
Today · 4.125%
HK$45,390
baseline
▲ 0.50% · 4.625%
HK$47,783
+HK$2,393/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,780/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,451
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,896
−HK$1,468/mo
Today · 4.125%
HK$49,364
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$3,004/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,728/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,676
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,062
−HK$1,406/mo
Today · 4.125%
HK$54,468
baseline
▲ 0.50% · 4.625%
HK$57,339
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,936/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,193
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,879
−HK$1,712/mo
Today · 4.125%
HK$57,591
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,505/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,182/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,289
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,906
−HK$1,640/mo
Today · 4.125%
HK$63,546
baseline
▲ 0.50% · 4.625%
HK$66,896
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,092/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,677
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,844
−HK$2,202/mo
Today · 4.125%
HK$74,046
baseline
▲ 0.50% · 4.625%
HK$78,552
+HK$4,506/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,092/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,515
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,594
−HK$2,109/mo
Today · 4.125%
HK$81,703
baseline
▲ 0.50% · 4.625%
HK$86,009
+HK$4,306/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,406/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,595 · Scale 2, in force from 26 Feb 2026)