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$38,694
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,898
−HK$1,223/mo
Today · 4.125%
HK$41,121
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,502/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,242/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,047
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,201
−HK$1,171/mo
Today · 4.125%
HK$45,372
baseline
▲ 0.50% · 4.625%
HK$47,764
+HK$2,392/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,744/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,433
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,877
−HK$1,468/mo
Today · 4.125%
HK$49,345
baseline
▲ 0.50% · 4.625%
HK$52,347
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,690/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,656
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,041
−HK$1,406/mo
Today · 4.125%
HK$54,447
baseline
▲ 0.50% · 4.625%
HK$57,317
+HK$2,870/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,894/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,172
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,857
−HK$1,712/mo
Today · 4.125%
HK$57,569
baseline
▲ 0.50% · 4.625%
HK$61,072
+HK$3,503/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,138/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,265
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,882
−HK$1,639/mo
Today · 4.125%
HK$63,521
baseline
▲ 0.50% · 4.625%
HK$66,870
+HK$3,349/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,042/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,649
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,816
−HK$2,201/mo
Today · 4.125%
HK$74,017
baseline
▲ 0.50% · 4.625%
HK$78,521
+HK$4,504/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$148,034/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,484
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,562
−HK$2,108/mo
Today · 4.125%
HK$81,670
baseline
▲ 0.50% · 4.625%
HK$85,975
+HK$4,305/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,340/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,344 · Scale 2, in force from 26 Feb 2026)