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$38,790
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,997
−HK$1,226/mo
Today · 4.125%
HK$41,223
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,508/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,446/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,154
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,174/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$47,883
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,548
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,996
−HK$1,471/mo
Today · 4.125%
HK$49,467
baseline
▲ 0.50% · 4.625%
HK$52,477
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$98,934/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,785
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,173
−HK$1,409/mo
Today · 4.125%
HK$54,582
baseline
▲ 0.50% · 4.625%
HK$57,459
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$109,164/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,306
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,996
−HK$1,716/mo
Today · 4.125%
HK$57,712
baseline
▲ 0.50% · 4.625%
HK$61,224
+HK$3,512/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,424/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,415
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,036
−HK$1,643/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,036
+HK$3,357/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,823
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,994
−HK$2,207/mo
Today · 4.125%
HK$74,201
baseline
▲ 0.50% · 4.625%
HK$78,716
+HK$4,515/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,402/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,677
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,760
−HK$2,114/mo
Today · 4.125%
HK$81,874
baseline
▲ 0.50% · 4.625%
HK$86,189
+HK$4,315/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,748/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,927 · Scale 2, in force from 26 Feb 2026)