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$39,972
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,263/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,585/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,469
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,210/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,471/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,967
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,459
−HK$1,516/mo
Today · 4.125%
HK$50,975
baseline
▲ 0.50% · 4.625%
HK$54,076
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,950/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,363
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,794
−HK$1,452/mo
Today · 4.125%
HK$56,246
baseline
▲ 0.50% · 4.625%
HK$59,210
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,492/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,961
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,702
−HK$1,769/mo
Today · 4.125%
HK$59,471
baseline
▲ 0.50% · 4.625%
HK$63,089
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,942/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,256
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,926
−HK$1,694/mo
Today · 4.125%
HK$65,620
baseline
▲ 0.50% · 4.625%
HK$69,079
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,240/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,950
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,188
−HK$2,274/mo
Today · 4.125%
HK$76,462
baseline
▲ 0.50% · 4.625%
HK$81,115
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,924/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,044
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,191
−HK$2,177/mo
Today · 4.125%
HK$84,368
baseline
▲ 0.50% · 4.625%
HK$88,816
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,736/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,366 · Scale 2, in force from 26 Feb 2026)