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$38,976
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,188
−HK$1,232/mo
Today · 4.125%
HK$41,420
baseline
▲ 0.50% · 4.625%
HK$43,940
+HK$2,520/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,840/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,360
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,523
−HK$1,180/mo
Today · 4.125%
HK$45,703
baseline
▲ 0.50% · 4.625%
HK$48,112
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,406/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,771
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,226
−HK$1,478/mo
Today · 4.125%
HK$49,704
baseline
▲ 0.50% · 4.625%
HK$52,728
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,408/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,032
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,428
−HK$1,415/mo
Today · 4.125%
HK$54,843
baseline
▲ 0.50% · 4.625%
HK$57,734
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,686/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,566
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,264
−HK$1,724/mo
Today · 4.125%
HK$57,988
baseline
▲ 0.50% · 4.625%
HK$61,516
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,976/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,704
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,332
−HK$1,652/mo
Today · 4.125%
HK$63,984
baseline
▲ 0.50% · 4.625%
HK$67,357
+HK$3,373/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,968/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,157
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,339
−HK$2,217/mo
Today · 4.125%
HK$74,556
baseline
▲ 0.50% · 4.625%
HK$79,093
+HK$4,537/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,112/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,048
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,142
−HK$2,123/mo
Today · 4.125%
HK$82,265
baseline
▲ 0.50% · 4.625%
HK$86,602
+HK$4,337/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,530/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,979 · Scale 2, in force from 26 Feb 2026)