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$38,608
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,808
−HK$1,221/mo
Today · 4.125%
HK$41,029
baseline
▲ 0.50% · 4.625%
HK$43,525
+HK$2,496/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,058/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,950
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,102
−HK$1,169/mo
Today · 4.125%
HK$45,271
baseline
▲ 0.50% · 4.625%
HK$47,657
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,542/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,329
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,770
−HK$1,464/mo
Today · 4.125%
HK$49,234
baseline
▲ 0.50% · 4.625%
HK$52,230
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,468/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,541
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,923
−HK$1,402/mo
Today · 4.125%
HK$54,325
baseline
▲ 0.50% · 4.625%
HK$57,189
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,650/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,051
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,732
−HK$1,708/mo
Today · 4.125%
HK$57,440
baseline
▲ 0.50% · 4.625%
HK$60,935
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,880/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,131
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,743
−HK$1,636/mo
Today · 4.125%
HK$63,379
baseline
▲ 0.50% · 4.625%
HK$66,720
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,758/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,494
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,655
−HK$2,196/mo
Today · 4.125%
HK$73,851
baseline
▲ 0.50% · 4.625%
HK$78,345
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,702/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,311
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,384
−HK$2,104/mo
Today · 4.125%
HK$81,488
baseline
▲ 0.50% · 4.625%
HK$85,783
+HK$4,295/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,976/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,921 · Scale 2, in force from 26 Feb 2026)