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$39,781
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,257/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,848
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,256
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,443
−HK$1,204/mo
Today · 4.125%
HK$46,647
baseline
▲ 0.50% · 4.625%
HK$49,106
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,294/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,738
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,222
−HK$1,509/mo
Today · 4.125%
HK$50,731
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$3,087/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,462/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,107
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,445/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$58,927
+HK$2,950/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,694
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,426
−HK$1,760/mo
Today · 4.125%
HK$59,186
baseline
▲ 0.50% · 4.625%
HK$62,788
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,372/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,959
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,620
−HK$1,686/mo
Today · 4.125%
HK$65,306
baseline
▲ 0.50% · 4.625%
HK$68,749
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,612/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,606
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,834
−HK$2,263/mo
Today · 4.125%
HK$76,097
baseline
▲ 0.50% · 4.625%
HK$80,727
+HK$4,630/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,194/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,661
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,798
−HK$2,167/mo
Today · 4.125%
HK$83,965
baseline
▲ 0.50% · 4.625%
HK$88,391
+HK$4,426/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,930/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,224 · Scale 2, in force from 26 Feb 2026)