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$38,387
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$39,581
−HK$1,213/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$43,276
+HK$2,482/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$43,850
−HK$1,162/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,385
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,064
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,497
−HK$1,456/mo
Today · 4.125%
HK$48,953
baseline
▲ 0.50% · 4.625%
HK$51,931
+HK$2,978/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$97,906/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,246
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,620
−HK$1,395/mo
Today · 4.125%
HK$54,015
baseline
▲ 0.50% · 4.625%
HK$56,862
+HK$2,847/mo
Deposit HK$6.73M · loan HK$10.10M · min. income ≈ HK$108,030/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,742
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,413
−HK$1,699/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,587
+HK$3,475/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,787
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,390
−HK$1,627/mo
Today · 4.125%
HK$63,017
baseline
▲ 0.50% · 4.625%
HK$66,339
+HK$3,322/mo
Deposit HK$5.05M · loan HK$11.78M · min. income ≈ HK$126,034/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,096
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,246
−HK$2,183/mo
Today · 4.125%
HK$73,429
baseline
▲ 0.50% · 4.625%
HK$77,897
+HK$4,468/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$146,858/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,869
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,930
−HK$2,092/mo
Today · 4.125%
HK$81,022
baseline
▲ 0.50% · 4.625%
HK$85,293
+HK$4,271/mo
Deposit HK$1.68M · loan HK$15.15M · min. income ≈ HK$162,044/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$631,292 · Scale 2, in force from 26 Feb 2026)