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$39,196
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,238/mo
Today · 4.125%
HK$41,654
baseline
▲ 0.50% · 4.625%
HK$44,189
+HK$2,535/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,308/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,606
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,775
−HK$1,186/mo
Today · 4.125%
HK$45,961
baseline
▲ 0.50% · 4.625%
HK$48,384
+HK$2,423/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,922/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,036
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,499
−HK$1,486/mo
Today · 4.125%
HK$49,985
baseline
▲ 0.50% · 4.625%
HK$53,027
+HK$3,042/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$99,970/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,327
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,730
−HK$1,424/mo
Today · 4.125%
HK$55,154
baseline
▲ 0.50% · 4.625%
HK$58,061
+HK$2,907/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$110,308/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,875
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,582
−HK$1,734/mo
Today · 4.125%
HK$58,316
baseline
▲ 0.50% · 4.625%
HK$61,865
+HK$3,549/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,632/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,048
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,685
−HK$1,661/mo
Today · 4.125%
HK$64,346
baseline
▲ 0.50% · 4.625%
HK$67,738
+HK$3,392/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,692/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,554
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,748
−HK$2,230/mo
Today · 4.125%
HK$74,978
baseline
▲ 0.50% · 4.625%
HK$79,540
+HK$4,562/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,956/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,490
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,595
−HK$2,136/mo
Today · 4.125%
HK$82,731
baseline
▲ 0.50% · 4.625%
HK$87,092
+HK$4,361/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,462/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,606 · Scale 2, in force from 26 Feb 2026)