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$39,238
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,459
−HK$1,240/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$44,236
+HK$2,537/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,652
−HK$2,358/mo
▼ 0.25% · 3.875%
HK$44,823
−HK$1,187/mo
Today · 4.125%
HK$46,010
baseline
▲ 0.50% · 4.625%
HK$48,436
+HK$2,426/mo
Deposit HK$8.60M · loan HK$8.60M · min. income ≈ HK$92,020/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,086
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,550
−HK$1,488/mo
Today · 4.125%
HK$50,038
baseline
▲ 0.50% · 4.625%
HK$53,083
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$100,076/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,382
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,787
−HK$1,425/mo
Today · 4.125%
HK$55,212
baseline
▲ 0.50% · 4.625%
HK$58,123
+HK$2,911/mo
Deposit HK$6.88M · loan HK$10.32M · min. income ≈ HK$110,424/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,933
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,642
−HK$1,736/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,930
+HK$3,552/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,113
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,752
−HK$1,662/mo
Today · 4.125%
HK$64,414
baseline
▲ 0.50% · 4.625%
HK$67,810
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,828/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$72,825
−HK$2,232/mo
Today · 4.125%
HK$75,057
baseline
▲ 0.50% · 4.625%
HK$79,624
+HK$4,567/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,114/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,573
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,681
−HK$2,137/mo
Today · 4.125%
HK$82,818
baseline
▲ 0.50% · 4.625%
HK$87,184
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,636/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,290 · Scale 2, in force from 26 Feb 2026)