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$39,406
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,245/mo
Today · 4.125%
HK$41,877
baseline
▲ 0.50% · 4.625%
HK$44,425
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,754/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,839
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,014
−HK$1,193/mo
Today · 4.125%
HK$46,207
baseline
▲ 0.50% · 4.625%
HK$48,643
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,414/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,494/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$53,310
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,017
−HK$1,431/mo
Today · 4.125%
HK$55,448
baseline
▲ 0.50% · 4.625%
HK$58,371
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,896/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,168
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,884
−HK$1,744/mo
Today · 4.125%
HK$58,628
baseline
▲ 0.50% · 4.625%
HK$62,195
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,256/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,374
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,020
−HK$1,670/mo
Today · 4.125%
HK$64,690
baseline
▲ 0.50% · 4.625%
HK$68,100
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,380/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,931
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,137
−HK$2,241/mo
Today · 4.125%
HK$75,378
baseline
▲ 0.50% · 4.625%
HK$79,965
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,756/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,909
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,026
−HK$2,147/mo
Today · 4.125%
HK$83,173
baseline
▲ 0.50% · 4.625%
HK$87,557
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,346/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,050 · Scale 2, in force from 26 Feb 2026)