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$38,804
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,011
−HK$1,226/mo
Today · 4.125%
HK$41,237
baseline
▲ 0.50% · 4.625%
HK$43,746
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,474/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,327
−HK$1,174/mo
Today · 4.125%
HK$45,501
baseline
▲ 0.50% · 4.625%
HK$47,900
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,002/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,565
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,013
−HK$1,472/mo
Today · 4.125%
HK$49,485
baseline
▲ 0.50% · 4.625%
HK$52,496
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,970/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,803
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,192
−HK$1,410/mo
Today · 4.125%
HK$54,602
baseline
▲ 0.50% · 4.625%
HK$57,480
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,204/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,325
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,015
−HK$1,717/mo
Today · 4.125%
HK$57,732
baseline
▲ 0.50% · 4.625%
HK$61,245
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,464/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,437
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,057
−HK$1,645/mo
Today · 4.125%
HK$63,702
baseline
▲ 0.50% · 4.625%
HK$67,060
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,404/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,847
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,020
−HK$2,207/mo
Today · 4.125%
HK$74,227
baseline
▲ 0.50% · 4.625%
HK$78,744
+HK$4,517/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,454/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,704
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,788
−HK$2,114/mo
Today · 4.125%
HK$81,902
baseline
▲ 0.50% · 4.625%
HK$86,219
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,804/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,151 · Scale 2, in force from 26 Feb 2026)