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$39,509
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,249/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,542
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,954
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,195/mo
Today · 4.125%
HK$46,328
baseline
▲ 0.50% · 4.625%
HK$48,771
+HK$2,443/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,656/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,411
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,886
−HK$1,498/mo
Today · 4.125%
HK$50,384
baseline
▲ 0.50% · 4.625%
HK$53,450
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,768/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,159
−HK$1,435/mo
Today · 4.125%
HK$55,594
baseline
▲ 0.50% · 4.625%
HK$58,525
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,188/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,313
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,034
−HK$1,748/mo
Today · 4.125%
HK$58,782
baseline
▲ 0.50% · 4.625%
HK$62,359
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,564/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,535
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,674/mo
Today · 4.125%
HK$64,860
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,720/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,117
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,329
−HK$2,248/mo
Today · 4.125%
HK$75,577
baseline
▲ 0.50% · 4.625%
HK$80,175
+HK$4,598/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,154/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,117
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,239
−HK$2,152/mo
Today · 4.125%
HK$83,391
baseline
▲ 0.50% · 4.625%
HK$87,787
+HK$4,396/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,782/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,753 · Scale 2, in force from 26 Feb 2026)