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$39,032
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,246
−HK$1,233/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$44,003
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,587
−HK$1,181/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,181
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,838
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,295
−HK$1,480/mo
Today · 4.125%
HK$49,775
baseline
▲ 0.50% · 4.625%
HK$52,804
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,550/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,107
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,504
−HK$1,418/mo
Today · 4.125%
HK$54,922
baseline
▲ 0.50% · 4.625%
HK$57,817
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,844/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,644
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,344
−HK$1,727/mo
Today · 4.125%
HK$58,071
baseline
▲ 0.50% · 4.625%
HK$61,604
+HK$3,533/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,142/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,791
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,422
−HK$1,654/mo
Today · 4.125%
HK$64,076
baseline
▲ 0.50% · 4.625%
HK$67,453
+HK$3,377/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,152/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,257
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$2,221/mo
Today · 4.125%
HK$74,663
baseline
▲ 0.50% · 4.625%
HK$79,206
+HK$4,543/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,326/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,160
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,256
−HK$2,127/mo
Today · 4.125%
HK$82,383
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,766/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,896 · Scale 2, in force from 26 Feb 2026)