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$38,446
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$39,642
−HK$1,215/mo
Today · 4.125%
HK$40,857
baseline
▲ 0.50% · 4.625%
HK$43,343
+HK$2,486/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$81,714/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,770
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$43,918
−HK$1,163/mo
Today · 4.125%
HK$45,081
baseline
▲ 0.50% · 4.625%
HK$47,458
+HK$2,377/mo
Deposit HK$8.43M · loan HK$8.43M · min. income ≈ HK$90,162/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,135
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$47,570
−HK$1,458/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$52,011
+HK$2,983/mo
Deposit HK$6.74M · loan HK$10.12M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,325
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,701
−HK$1,396/mo
Today · 4.125%
HK$54,097
baseline
▲ 0.50% · 4.625%
HK$56,949
+HK$2,852/mo
Deposit HK$6.74M · loan HK$10.12M · min. income ≈ HK$108,194/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,824
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,498
−HK$1,701/mo
Today · 4.125%
HK$57,199
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,481/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$114,398/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,879
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,629/mo
Today · 4.125%
HK$63,114
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,327/mo
Deposit HK$5.06M · loan HK$11.80M · min. income ≈ HK$126,228/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,202
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,355
−HK$2,187/mo
Today · 4.125%
HK$73,542
baseline
▲ 0.50% · 4.625%
HK$78,017
+HK$4,475/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$147,084/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,987
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,052
−HK$2,094/mo
Today · 4.125%
HK$81,146
baseline
▲ 0.50% · 4.625%
HK$85,424
+HK$4,278/mo
Deposit HK$1.69M · loan HK$15.17M · min. income ≈ HK$162,292/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,260 · Scale 2, in force from 26 Feb 2026)