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$38,555
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,755
−HK$1,218/mo
Today · 4.125%
HK$40,973
baseline
▲ 0.50% · 4.625%
HK$43,466
+HK$2,493/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,946/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,892
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,043
−HK$1,167/mo
Today · 4.125%
HK$45,210
baseline
▲ 0.50% · 4.625%
HK$47,593
+HK$2,383/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,420/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,462/mo
Today · 4.125%
HK$49,168
baseline
▲ 0.50% · 4.625%
HK$52,160
+HK$2,992/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,336/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,471
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,851
−HK$1,401/mo
Today · 4.125%
HK$54,252
baseline
▲ 0.50% · 4.625%
HK$57,111
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,504/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,978
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,657
−HK$1,705/mo
Today · 4.125%
HK$57,362
baseline
▲ 0.50% · 4.625%
HK$60,853
+HK$3,491/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,724/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,049
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,660
−HK$1,634/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$66,630
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,588/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,400
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,558
−HK$2,194/mo
Today · 4.125%
HK$73,752
baseline
▲ 0.50% · 4.625%
HK$78,239
+HK$4,487/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,504/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,206
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,277
−HK$2,101/mo
Today · 4.125%
HK$81,378
baseline
▲ 0.50% · 4.625%
HK$85,667
+HK$4,289/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,756/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$634,064 · Scale 2, in force from 26 Feb 2026)