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$39,817
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,258/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,296
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,484
−HK$1,206/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,267
−HK$1,510/mo
Today · 4.125%
HK$50,777
baseline
▲ 0.50% · 4.625%
HK$53,867
+HK$3,090/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$101,554/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,581
−HK$1,446/mo
Today · 4.125%
HK$56,027
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$2,954/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,054/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,744
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,478
−HK$1,762/mo
Today · 4.125%
HK$59,240
baseline
▲ 0.50% · 4.625%
HK$62,844
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,480/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,015
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,678
−HK$1,687/mo
Today · 4.125%
HK$65,365
baseline
▲ 0.50% · 4.625%
HK$68,811
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,730/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,671
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,900
−HK$2,265/mo
Today · 4.125%
HK$76,165
baseline
▲ 0.50% · 4.625%
HK$80,800
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,330/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,733
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,872
−HK$2,169/mo
Today · 4.125%
HK$84,041
baseline
▲ 0.50% · 4.625%
HK$88,471
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,082/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,816 · Scale 2, in force from 26 Feb 2026)