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$38,498
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,695
−HK$1,217/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,401
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,165/mo
Today · 4.125%
HK$45,142
baseline
▲ 0.50% · 4.625%
HK$47,522
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,284/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,197
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,634
−HK$1,460/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$52,081
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,394
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,772
−HK$1,399/mo
Today · 4.125%
HK$54,171
baseline
▲ 0.50% · 4.625%
HK$57,026
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,342/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,897
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,573
−HK$1,703/mo
Today · 4.125%
HK$57,276
baseline
▲ 0.50% · 4.625%
HK$60,762
+HK$3,486/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,552/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,960
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,568
−HK$1,631/mo
Today · 4.125%
HK$63,199
baseline
▲ 0.50% · 4.625%
HK$66,530
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,398/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,296
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,451
−HK$2,190/mo
Today · 4.125%
HK$73,641
baseline
▲ 0.50% · 4.625%
HK$78,122
+HK$4,481/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,282/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,091
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,158
−HK$2,098/mo
Today · 4.125%
HK$81,256
baseline
▲ 0.50% · 4.625%
HK$85,539
+HK$4,283/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,512/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,114 · Scale 2, in force from 26 Feb 2026)