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$38,547
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,746
−HK$1,218/mo
Today · 4.125%
HK$40,964
baseline
▲ 0.50% · 4.625%
HK$43,456
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,928/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,883
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,033
−HK$1,167/mo
Today · 4.125%
HK$45,200
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,400/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,256
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$47,695
−HK$1,462/mo
Today · 4.125%
HK$49,157
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,991/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,314/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,459
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,839
−HK$1,400/mo
Today · 4.125%
HK$54,239
baseline
▲ 0.50% · 4.625%
HK$57,099
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,478/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,965
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,644
−HK$1,705/mo
Today · 4.125%
HK$57,349
baseline
▲ 0.50% · 4.625%
HK$60,839
+HK$3,490/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,698/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,036
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,646
−HK$1,633/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$66,615
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,384
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,542
−HK$2,193/mo
Today · 4.125%
HK$73,735
baseline
▲ 0.50% · 4.625%
HK$78,222
+HK$4,487/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,470/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,189
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,259
−HK$2,100/mo
Today · 4.125%
HK$81,359
baseline
▲ 0.50% · 4.625%
HK$85,648
+HK$4,289/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,718/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,920 · Scale 2, in force from 26 Feb 2026)