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$39,255
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,476
−HK$1,241/mo
Today · 4.125%
HK$41,717
baseline
▲ 0.50% · 4.625%
HK$44,255
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,434/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,671
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,189/mo
Today · 4.125%
HK$46,031
baseline
▲ 0.50% · 4.625%
HK$48,457
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,062/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,106
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,572
−HK$1,488/mo
Today · 4.125%
HK$50,060
baseline
▲ 0.50% · 4.625%
HK$53,107
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,120/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,406
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,811
−HK$1,426/mo
Today · 4.125%
HK$55,237
baseline
▲ 0.50% · 4.625%
HK$58,148
+HK$2,911/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,474/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,958
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,667
−HK$1,737/mo
Today · 4.125%
HK$58,404
baseline
▲ 0.50% · 4.625%
HK$61,958
+HK$3,554/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,808/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,140
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,779
−HK$1,664/mo
Today · 4.125%
HK$64,443
baseline
▲ 0.50% · 4.625%
HK$67,840
+HK$3,397/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,886/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,660
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,858
−HK$2,233/mo
Today · 4.125%
HK$75,091
baseline
▲ 0.50% · 4.625%
HK$79,660
+HK$4,569/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,182/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,608
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,716
−HK$2,139/mo
Today · 4.125%
HK$82,855
baseline
▲ 0.50% · 4.625%
HK$87,223
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,710/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,576 · Scale 2, in force from 26 Feb 2026)