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$39,487
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,248/mo
Today · 4.125%
HK$41,963
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,926/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,929
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,107
−HK$1,195/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,384
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,858
−HK$1,498/mo
Today · 4.125%
HK$50,356
baseline
▲ 0.50% · 4.625%
HK$53,420
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,712/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,128
−HK$1,435/mo
Today · 4.125%
HK$55,563
baseline
▲ 0.50% · 4.625%
HK$58,491
+HK$2,928/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,126/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,282
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$57,001
−HK$1,747/mo
Today · 4.125%
HK$58,748
baseline
▲ 0.50% · 4.625%
HK$62,323
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,496/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,500
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,673/mo
Today · 4.125%
HK$64,823
baseline
▲ 0.50% · 4.625%
HK$68,240
+HK$3,417/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,646/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,076
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,287
−HK$2,247/mo
Today · 4.125%
HK$75,534
baseline
▲ 0.50% · 4.625%
HK$80,130
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,068/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,072
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,193
−HK$2,151/mo
Today · 4.125%
HK$83,344
baseline
▲ 0.50% · 4.625%
HK$87,737
+HK$4,393/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,688/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,383 · Scale 2, in force from 26 Feb 2026)