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$39,049
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,264
−HK$1,234/mo
Today · 4.125%
HK$41,498
baseline
▲ 0.50% · 4.625%
HK$44,023
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,996/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,442
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,607
−HK$1,182/mo
Today · 4.125%
HK$45,789
baseline
▲ 0.50% · 4.625%
HK$48,203
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,578/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,859
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,317
−HK$1,481/mo
Today · 4.125%
HK$49,798
baseline
▲ 0.50% · 4.625%
HK$52,828
+HK$3,030/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,596/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,130
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,528
−HK$1,419/mo
Today · 4.125%
HK$54,947
baseline
▲ 0.50% · 4.625%
HK$57,843
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,894/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,669
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,369
−HK$1,728/mo
Today · 4.125%
HK$58,097
baseline
▲ 0.50% · 4.625%
HK$61,632
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,194/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,819
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,450
−HK$1,654/mo
Today · 4.125%
HK$64,104
baseline
▲ 0.50% · 4.625%
HK$67,484
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,208/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,289
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,475
−HK$2,221/mo
Today · 4.125%
HK$74,696
baseline
▲ 0.50% · 4.625%
HK$79,241
+HK$4,545/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,392/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,195
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,293
−HK$2,127/mo
Today · 4.125%
HK$82,420
baseline
▲ 0.50% · 4.625%
HK$86,765
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,840/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,185 · Scale 2, in force from 26 Feb 2026)