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$38,864
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,073
−HK$1,228/mo
Today · 4.125%
HK$41,301
baseline
▲ 0.50% · 4.625%
HK$43,814
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,176/mo
Today · 4.125%
HK$45,571
baseline
▲ 0.50% · 4.625%
HK$47,974
+HK$2,403/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,142/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,637
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,474/mo
Today · 4.125%
HK$49,561
baseline
▲ 0.50% · 4.625%
HK$52,577
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,122/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,883
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,274
−HK$1,412/mo
Today · 4.125%
HK$54,686
baseline
▲ 0.50% · 4.625%
HK$57,568
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,372/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,409
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,102
−HK$1,719/mo
Today · 4.125%
HK$57,821
baseline
▲ 0.50% · 4.625%
HK$61,339
+HK$3,518/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,642/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,530
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,153
−HK$1,647/mo
Today · 4.125%
HK$63,800
baseline
▲ 0.50% · 4.625%
HK$67,163
+HK$3,363/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,600/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,955
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,131
−HK$2,211/mo
Today · 4.125%
HK$74,342
baseline
▲ 0.50% · 4.625%
HK$78,865
+HK$4,523/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,684/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,824
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,911
−HK$2,118/mo
Today · 4.125%
HK$82,029
baseline
▲ 0.50% · 4.625%
HK$86,352
+HK$4,323/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,058/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,135 · Scale 2, in force from 26 Feb 2026)