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$39,340
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,563
−HK$1,244/mo
Today · 4.125%
HK$41,807
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,543/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,614/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,765
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,939
−HK$1,190/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,561
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,208
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,676
−HK$1,492/mo
Today · 4.125%
HK$50,168
baseline
▲ 0.50% · 4.625%
HK$53,221
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,336/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,518
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,926
−HK$1,429/mo
Today · 4.125%
HK$55,355
baseline
▲ 0.50% · 4.625%
HK$58,273
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,710/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,076
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,789
−HK$1,740/mo
Today · 4.125%
HK$58,529
baseline
▲ 0.50% · 4.625%
HK$62,091
+HK$3,562/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,058/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,271
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,914
−HK$1,667/mo
Today · 4.125%
HK$64,581
baseline
▲ 0.50% · 4.625%
HK$67,985
+HK$3,404/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,162/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,811
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,014
−HK$2,238/mo
Today · 4.125%
HK$75,252
baseline
▲ 0.50% · 4.625%
HK$79,831
+HK$4,579/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,504/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,777
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,890
−HK$2,143/mo
Today · 4.125%
HK$83,033
baseline
▲ 0.50% · 4.625%
HK$87,410
+HK$4,377/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,066/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,961 · Scale 2, in force from 26 Feb 2026)