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$39,669
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,903
−HK$1,254/mo
Today · 4.125%
HK$42,157
baseline
▲ 0.50% · 4.625%
HK$44,722
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,314/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,315
−HK$1,201/mo
Today · 4.125%
HK$46,516
baseline
▲ 0.50% · 4.625%
HK$48,968
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,032/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,603
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,504/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,441/mo
Today · 4.125%
HK$55,819
baseline
▲ 0.50% · 4.625%
HK$58,762
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,638/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,537
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,265
−HK$1,755/mo
Today · 4.125%
HK$59,020
baseline
▲ 0.50% · 4.625%
HK$62,611
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,040/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,785
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,442
−HK$1,681/mo
Today · 4.125%
HK$65,123
baseline
▲ 0.50% · 4.625%
HK$68,555
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,246/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,405
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,626
−HK$2,257/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$80,500
+HK$4,617/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,437
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,568
−HK$2,161/mo
Today · 4.125%
HK$83,729
baseline
▲ 0.50% · 4.625%
HK$88,142
+HK$4,413/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,458/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,384 · Scale 2, in force from 26 Feb 2026)