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$39,838
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,078
−HK$1,259/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,913
+HK$2,576/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,320
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,508
−HK$1,206/mo
Today · 4.125%
HK$46,714
baseline
▲ 0.50% · 4.625%
HK$49,177
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,428/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,806
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,511/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,895
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,184
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,610
−HK$1,447/mo
Today · 4.125%
HK$56,057
baseline
▲ 0.50% · 4.625%
HK$59,012
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,114/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,774
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,509
−HK$1,762/mo
Today · 4.125%
HK$59,271
baseline
▲ 0.50% · 4.625%
HK$62,878
+HK$3,607/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,542/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,048
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,712
−HK$1,688/mo
Today · 4.125%
HK$65,400
baseline
▲ 0.50% · 4.625%
HK$68,847
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,800/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,709
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,940
−HK$2,266/mo
Today · 4.125%
HK$76,206
baseline
▲ 0.50% · 4.625%
HK$80,843
+HK$4,637/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,412/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,776
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,915
−HK$2,171/mo
Today · 4.125%
HK$84,086
baseline
▲ 0.50% · 4.625%
HK$88,518
+HK$4,432/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,172/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,164 · Scale 2, in force from 26 Feb 2026)