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$39,363
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,244/mo
Today · 4.125%
HK$41,831
baseline
▲ 0.50% · 4.625%
HK$44,377
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,662/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,791
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,965
−HK$1,192/mo
Today · 4.125%
HK$46,157
baseline
▲ 0.50% · 4.625%
HK$48,590
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,314/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,235
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,705
−HK$1,493/mo
Today · 4.125%
HK$50,198
baseline
▲ 0.50% · 4.625%
HK$53,252
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,396/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,549
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,958
−HK$1,430/mo
Today · 4.125%
HK$55,388
baseline
▲ 0.50% · 4.625%
HK$58,308
+HK$2,920/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,776/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,108
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,822
−HK$1,742/mo
Today · 4.125%
HK$58,564
baseline
▲ 0.50% · 4.625%
HK$62,127
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,128/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,307
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,951
−HK$1,668/mo
Today · 4.125%
HK$64,619
baseline
▲ 0.50% · 4.625%
HK$68,026
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,238/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,853
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,057
−HK$2,239/mo
Today · 4.125%
HK$75,296
baseline
▲ 0.50% · 4.625%
HK$79,878
+HK$4,582/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,592/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,824
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,938
−HK$2,144/mo
Today · 4.125%
HK$83,082
baseline
▲ 0.50% · 4.625%
HK$87,461
+HK$4,379/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,164/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,344 · Scale 2, in force from 26 Feb 2026)