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$38,734
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,939
−HK$1,224/mo
Today · 4.125%
HK$41,163
baseline
▲ 0.50% · 4.625%
HK$43,668
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,326/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,091
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$44,247
−HK$1,173/mo
Today · 4.125%
HK$45,420
baseline
▲ 0.50% · 4.625%
HK$47,814
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,840/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,481
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,927
−HK$1,469/mo
Today · 4.125%
HK$49,396
baseline
▲ 0.50% · 4.625%
HK$52,401
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,792/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,710
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,097
−HK$1,406/mo
Today · 4.125%
HK$54,503
baseline
▲ 0.50% · 4.625%
HK$57,376
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$109,006/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,228
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,915
−HK$1,713/mo
Today · 4.125%
HK$57,628
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,256/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,641/mo
Today · 4.125%
HK$63,587
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,352/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,174/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,722
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,890
−HK$2,204/mo
Today · 4.125%
HK$74,094
baseline
▲ 0.50% · 4.625%
HK$78,602
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,188/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,565
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,645
−HK$2,110/mo
Today · 4.125%
HK$81,755
baseline
▲ 0.50% · 4.625%
HK$86,065
+HK$4,310/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,510/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,005 · Scale 2, in force from 26 Feb 2026)