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$39,410
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,636
−HK$1,245/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,430
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,019
−HK$1,193/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$48,648
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,292
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,494/mo
Today · 4.125%
HK$50,257
baseline
▲ 0.50% · 4.625%
HK$53,315
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,514/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,612
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,023
−HK$1,431/mo
Today · 4.125%
HK$55,454
baseline
▲ 0.50% · 4.625%
HK$58,377
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,908/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,174
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,890
−HK$1,744/mo
Today · 4.125%
HK$58,634
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,268/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,380
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,026
−HK$1,670/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,107
+HK$3,411/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,938
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$2,242/mo
Today · 4.125%
HK$75,386
baseline
▲ 0.50% · 4.625%
HK$79,973
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,772/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,917
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,034
−HK$2,147/mo
Today · 4.125%
HK$83,181
baseline
▲ 0.50% · 4.625%
HK$87,566
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,362/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,115 · Scale 2, in force from 26 Feb 2026)