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$39,405
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,631
−HK$1,245/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,424
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,838
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,014
−HK$1,192/mo
Today · 4.125%
HK$46,206
baseline
▲ 0.50% · 4.625%
HK$48,642
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,412/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,286
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,757
−HK$1,495/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$53,309
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,016
−HK$1,432/mo
Today · 4.125%
HK$55,448
baseline
▲ 0.50% · 4.625%
HK$58,370
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,896/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,167
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,744/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$62,194
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,373
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,019
−HK$1,670/mo
Today · 4.125%
HK$64,689
baseline
▲ 0.50% · 4.625%
HK$68,099
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,378/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,929
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,136
−HK$2,241/mo
Today · 4.125%
HK$75,377
baseline
▲ 0.50% · 4.625%
HK$79,964
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,754/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,908
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,025
−HK$2,146/mo
Today · 4.125%
HK$83,171
baseline
▲ 0.50% · 4.625%
HK$87,556
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,342/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,040 · Scale 2, in force from 26 Feb 2026)