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$38,526
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$39,724
−HK$1,218/mo
Today · 4.125%
HK$40,942
baseline
▲ 0.50% · 4.625%
HK$43,433
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,884/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$44,009
−HK$1,166/mo
Today · 4.125%
HK$45,175
baseline
▲ 0.50% · 4.625%
HK$47,556
+HK$2,381/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,350/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,231
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,461/mo
Today · 4.125%
HK$49,130
baseline
▲ 0.50% · 4.625%
HK$52,120
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,260/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,432
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,811
−HK$1,399/mo
Today · 4.125%
HK$54,210
baseline
▲ 0.50% · 4.625%
HK$57,068
+HK$2,858/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,420/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,936
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,614
−HK$1,704/mo
Today · 4.125%
HK$57,318
baseline
▲ 0.50% · 4.625%
HK$60,806
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,636/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,003
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,613
−HK$1,632/mo
Today · 4.125%
HK$63,245
baseline
▲ 0.50% · 4.625%
HK$66,579
+HK$3,334/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,490/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,347
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,504
−HK$2,191/mo
Today · 4.125%
HK$73,695
baseline
▲ 0.50% · 4.625%
HK$78,179
+HK$4,484/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,390/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,147
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,216
−HK$2,099/mo
Today · 4.125%
HK$81,315
baseline
▲ 0.50% · 4.625%
HK$85,602
+HK$4,287/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,630/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,578 · Scale 2, in force from 26 Feb 2026)