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$39,827
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,066
−HK$1,259/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,900
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,307
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,496
−HK$1,205/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,163
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,793
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,279
−HK$1,511/mo
Today · 4.125%
HK$50,790
baseline
▲ 0.50% · 4.625%
HK$53,880
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,580/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,169
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,595
−HK$1,446/mo
Today · 4.125%
HK$56,041
baseline
▲ 0.50% · 4.625%
HK$58,995
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,082/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,758
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,492
−HK$1,762/mo
Today · 4.125%
HK$59,254
baseline
▲ 0.50% · 4.625%
HK$62,860
+HK$3,606/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,508/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,694
−HK$1,687/mo
Today · 4.125%
HK$65,381
baseline
▲ 0.50% · 4.625%
HK$68,828
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,762/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,689
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$2,265/mo
Today · 4.125%
HK$76,184
baseline
▲ 0.50% · 4.625%
HK$80,820
+HK$4,636/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,368/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,753
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,892
−HK$2,170/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$88,493
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,978 · Scale 2, in force from 26 Feb 2026)