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$39,971
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,263/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$45,062
+HK$2,585/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,210/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,340
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,516/mo
Today · 4.125%
HK$50,973
baseline
▲ 0.50% · 4.625%
HK$54,074
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,946/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,361
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,792
−HK$1,452/mo
Today · 4.125%
HK$56,244
baseline
▲ 0.50% · 4.625%
HK$59,208
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,488/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,959
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,700
−HK$1,768/mo
Today · 4.125%
HK$59,468
baseline
▲ 0.50% · 4.625%
HK$63,087
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,936/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,254
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,924
−HK$1,693/mo
Today · 4.125%
HK$65,617
baseline
▲ 0.50% · 4.625%
HK$69,076
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,234/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,948
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,186
−HK$2,273/mo
Today · 4.125%
HK$76,459
baseline
▲ 0.50% · 4.625%
HK$81,112
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,918/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,041
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,188
−HK$2,177/mo
Today · 4.125%
HK$84,365
baseline
▲ 0.50% · 4.625%
HK$88,812
+HK$4,447/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,730/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,342 · Scale 2, in force from 26 Feb 2026)