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$38,378
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,572
−HK$1,213/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$43,267
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,695
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,841
−HK$1,161/mo
Today · 4.125%
HK$45,002
baseline
▲ 0.50% · 4.625%
HK$47,374
+HK$2,372/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,004/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,054
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,486
−HK$1,456/mo
Today · 4.125%
HK$48,942
baseline
▲ 0.50% · 4.625%
HK$51,920
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,884/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,235
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,609
−HK$1,394/mo
Today · 4.125%
HK$54,003
baseline
▲ 0.50% · 4.625%
HK$56,849
+HK$2,846/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,006/mo (50% DSR)
Upfront cash ≈ HK$7.36M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,730
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,401
−HK$1,698/mo
Today · 4.125%
HK$57,099
baseline
▲ 0.50% · 4.625%
HK$60,573
+HK$3,474/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,198/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,774
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,377
−HK$1,626/mo
Today · 4.125%
HK$63,003
baseline
▲ 0.50% · 4.625%
HK$66,324
+HK$3,321/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,006/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,081
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,230
−HK$2,183/mo
Today · 4.125%
HK$73,413
baseline
▲ 0.50% · 4.625%
HK$77,880
+HK$4,467/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,826/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,852
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,913
−HK$2,091/mo
Today · 4.125%
HK$81,004
baseline
▲ 0.50% · 4.625%
HK$85,274
+HK$4,270/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,008/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,151 · Scale 2, in force from 26 Feb 2026)