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$39,771
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,008
−HK$1,257/mo
Today · 4.125%
HK$42,265
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,530/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,245
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,431
−HK$1,204/mo
Today · 4.125%
HK$46,635
baseline
▲ 0.50% · 4.625%
HK$49,093
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,270/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,725
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,209
−HK$1,509/mo
Today · 4.125%
HK$50,718
baseline
▲ 0.50% · 4.625%
HK$53,804
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$101,436/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,093
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,517
−HK$1,445/mo
Today · 4.125%
HK$55,962
baseline
▲ 0.50% · 4.625%
HK$58,912
+HK$2,950/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$111,924/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,411
−HK$1,760/mo
Today · 4.125%
HK$59,171
baseline
▲ 0.50% · 4.625%
HK$62,771
+HK$3,600/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,342/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,942
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,604
−HK$1,685/mo
Today · 4.125%
HK$65,289
baseline
▲ 0.50% · 4.625%
HK$68,730
+HK$3,441/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,578/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,587
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,814
−HK$2,262/mo
Today · 4.125%
HK$76,076
baseline
▲ 0.50% · 4.625%
HK$80,706
+HK$4,630/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,152/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,640
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,776
−HK$2,167/mo
Today · 4.125%
HK$83,943
baseline
▲ 0.50% · 4.625%
HK$88,368
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,886/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,051 · Scale 2, in force from 26 Feb 2026)