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$39,257
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,478
−HK$1,240/mo
Today · 4.125%
HK$41,718
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,436/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,673
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,188/mo
Today · 4.125%
HK$46,032
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,064/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,108
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,573
−HK$1,489/mo
Today · 4.125%
HK$50,062
baseline
▲ 0.50% · 4.625%
HK$53,108
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,124/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,407
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,426/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,150
+HK$2,911/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,959
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,669
−HK$1,737/mo
Today · 4.125%
HK$58,406
baseline
▲ 0.50% · 4.625%
HK$61,960
+HK$3,554/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,812/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,142
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,782
−HK$1,663/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$67,842
+HK$3,397/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,890/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,662
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,860
−HK$2,233/mo
Today · 4.125%
HK$75,093
baseline
▲ 0.50% · 4.625%
HK$79,662
+HK$4,569/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,186/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,611
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,719
−HK$2,139/mo
Today · 4.125%
HK$82,858
baseline
▲ 0.50% · 4.625%
HK$87,225
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,716/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,597 · Scale 2, in force from 26 Feb 2026)