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$38,712
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,223/mo
Today · 4.125%
HK$41,139
baseline
▲ 0.50% · 4.625%
HK$43,643
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,278/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,172/mo
Today · 4.125%
HK$45,393
baseline
▲ 0.50% · 4.625%
HK$47,786
+HK$2,393/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,786/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,454
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,899
−HK$1,468/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$52,371
+HK$3,004/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,680
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,066
−HK$1,406/mo
Today · 4.125%
HK$54,472
baseline
▲ 0.50% · 4.625%
HK$57,343
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,944/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,196
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,882
−HK$1,713/mo
Today · 4.125%
HK$57,595
baseline
▲ 0.50% · 4.625%
HK$61,100
+HK$3,505/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,190/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,293
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,910
−HK$1,640/mo
Today · 4.125%
HK$63,550
baseline
▲ 0.50% · 4.625%
HK$66,900
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,100/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,681
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,849
−HK$2,202/mo
Today · 4.125%
HK$74,051
baseline
▲ 0.50% · 4.625%
HK$78,557
+HK$4,506/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,102/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,520
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,599
−HK$2,109/mo
Today · 4.125%
HK$81,708
baseline
▲ 0.50% · 4.625%
HK$86,015
+HK$4,307/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,416/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,635 · Scale 2, in force from 26 Feb 2026)