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$39,552
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,783
−HK$1,250/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,590
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,001
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,197/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$48,823
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,463
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,939
−HK$1,500/mo
Today · 4.125%
HK$50,439
baseline
▲ 0.50% · 4.625%
HK$53,508
+HK$3,069/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,878/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,802
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,218
−HK$1,436/mo
Today · 4.125%
HK$55,654
baseline
▲ 0.50% · 4.625%
HK$58,588
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,308/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,373
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,750/mo
Today · 4.125%
HK$58,846
baseline
▲ 0.50% · 4.625%
HK$62,426
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,692/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,602
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,254
−HK$1,676/mo
Today · 4.125%
HK$64,930
baseline
▲ 0.50% · 4.625%
HK$68,353
+HK$3,423/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,860/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,194
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,409
−HK$2,250/mo
Today · 4.125%
HK$75,659
baseline
▲ 0.50% · 4.625%
HK$80,262
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,318/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,203
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,327
−HK$2,155/mo
Today · 4.125%
HK$83,482
baseline
▲ 0.50% · 4.625%
HK$87,882
+HK$4,400/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,964/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,457 · Scale 2, in force from 26 Feb 2026)