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$39,175
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,394
−HK$1,238/mo
Today · 4.125%
HK$41,632
baseline
▲ 0.50% · 4.625%
HK$44,165
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,264/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,186/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,473
−HK$1,485/mo
Today · 4.125%
HK$49,958
baseline
▲ 0.50% · 4.625%
HK$52,998
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,916/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,298
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,701
−HK$1,423/mo
Today · 4.125%
HK$55,124
baseline
▲ 0.50% · 4.625%
HK$58,030
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,248/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,845
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,551
−HK$1,734/mo
Today · 4.125%
HK$58,285
baseline
▲ 0.50% · 4.625%
HK$61,831
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,570/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,015
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,651
−HK$1,660/mo
Today · 4.125%
HK$64,311
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,622/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,709
−HK$2,228/mo
Today · 4.125%
HK$74,937
baseline
▲ 0.50% · 4.625%
HK$79,497
+HK$4,560/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,874/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,448
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,552
−HK$2,134/mo
Today · 4.125%
HK$82,686
baseline
▲ 0.50% · 4.625%
HK$87,044
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,372/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,258 · Scale 2, in force from 26 Feb 2026)