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$39,485
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,713
−HK$1,248/mo
Today · 4.125%
HK$41,961
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,922/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,927
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,195/mo
Today · 4.125%
HK$46,300
baseline
▲ 0.50% · 4.625%
HK$48,741
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,600/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,382
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,856
−HK$1,498/mo
Today · 4.125%
HK$50,354
baseline
▲ 0.50% · 4.625%
HK$53,417
+HK$3,063/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,708/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,712
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,126
−HK$1,434/mo
Today · 4.125%
HK$55,560
baseline
▲ 0.50% · 4.625%
HK$58,489
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,120/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,279
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,747/mo
Today · 4.125%
HK$58,746
baseline
▲ 0.50% · 4.625%
HK$62,320
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,492/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,147
−HK$1,673/mo
Today · 4.125%
HK$64,820
baseline
▲ 0.50% · 4.625%
HK$68,237
+HK$3,417/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,640/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,073
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,284
−HK$2,246/mo
Today · 4.125%
HK$75,530
baseline
▲ 0.50% · 4.625%
HK$80,126
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,060/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,068
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,189
−HK$2,151/mo
Today · 4.125%
HK$83,340
baseline
▲ 0.50% · 4.625%
HK$87,733
+HK$4,393/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,680/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,356 · Scale 2, in force from 26 Feb 2026)