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$38,989
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,202
−HK$1,232/mo
Today · 4.125%
HK$41,434
baseline
▲ 0.50% · 4.625%
HK$43,955
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,868/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,538
−HK$1,180/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,128
+HK$2,410/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,787
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,242
−HK$1,479/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$3,025/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,050
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,446
−HK$1,416/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$57,754
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,585
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,283
−HK$1,725/mo
Today · 4.125%
HK$58,008
baseline
▲ 0.50% · 4.625%
HK$61,537
+HK$3,529/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,016/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,725
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,354
−HK$1,652/mo
Today · 4.125%
HK$64,006
baseline
▲ 0.50% · 4.625%
HK$67,380
+HK$3,374/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,012/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,180
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,363
−HK$2,218/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$79,119
+HK$4,538/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,075
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,169
−HK$2,124/mo
Today · 4.125%
HK$82,293
baseline
▲ 0.50% · 4.625%
HK$86,631
+HK$4,338/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,586/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,196 · Scale 2, in force from 26 Feb 2026)