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$38,507
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,705
−HK$1,217/mo
Today · 4.125%
HK$40,922
baseline
▲ 0.50% · 4.625%
HK$43,412
+HK$2,490/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,844/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,839
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,165/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,533
+HK$2,380/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,209
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,646
−HK$1,460/mo
Today · 4.125%
HK$49,106
baseline
▲ 0.50% · 4.625%
HK$52,094
+HK$2,988/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,212/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,407
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$52,785
−HK$1,399/mo
Today · 4.125%
HK$54,184
baseline
▲ 0.50% · 4.625%
HK$57,040
+HK$2,856/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,368/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,910
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,587
−HK$1,704/mo
Today · 4.125%
HK$57,291
baseline
▲ 0.50% · 4.625%
HK$60,777
+HK$3,486/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,582/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,974
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,583
−HK$1,632/mo
Today · 4.125%
HK$63,215
baseline
▲ 0.50% · 4.625%
HK$66,547
+HK$3,332/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,430/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,313
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,469
−HK$2,190/mo
Today · 4.125%
HK$73,659
baseline
▲ 0.50% · 4.625%
HK$78,141
+HK$4,482/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,318/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,110
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,178
−HK$2,098/mo
Today · 4.125%
HK$81,276
baseline
▲ 0.50% · 4.625%
HK$85,560
+HK$4,284/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,552/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,271 · Scale 2, in force from 26 Feb 2026)