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$38,813
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,021
−HK$1,226/mo
Today · 4.125%
HK$41,247
baseline
▲ 0.50% · 4.625%
HK$43,757
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,494/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,180
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,338
−HK$1,174/mo
Today · 4.125%
HK$45,512
baseline
▲ 0.50% · 4.625%
HK$47,911
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,024/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,576
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,025
−HK$1,472/mo
Today · 4.125%
HK$49,497
baseline
▲ 0.50% · 4.625%
HK$52,509
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,994/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,815
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,205
−HK$1,410/mo
Today · 4.125%
HK$54,615
baseline
▲ 0.50% · 4.625%
HK$57,494
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,230/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,339
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,717/mo
Today · 4.125%
HK$57,746
baseline
▲ 0.50% · 4.625%
HK$61,260
+HK$3,514/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,492/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,451
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,073
−HK$1,644/mo
Today · 4.125%
HK$63,717
baseline
▲ 0.50% · 4.625%
HK$67,076
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,434/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,864
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,037
−HK$2,208/mo
Today · 4.125%
HK$74,245
baseline
▲ 0.50% · 4.625%
HK$78,763
+HK$4,518/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,490/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,723
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,808
−HK$2,114/mo
Today · 4.125%
HK$81,922
baseline
▲ 0.50% · 4.625%
HK$86,241
+HK$4,319/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,844/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,307 · Scale 2, in force from 26 Feb 2026)