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$38,401
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$39,596
−HK$1,213/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$43,292
+HK$2,483/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,721
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$43,867
−HK$1,162/mo
Today · 4.125%
HK$45,029
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,373/mo
Deposit HK$8.42M · loan HK$8.42M · min. income ≈ HK$90,058/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,081
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,456/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,980/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,640
−HK$1,395/mo
Today · 4.125%
HK$54,035
baseline
▲ 0.50% · 4.625%
HK$56,883
+HK$2,848/mo
Deposit HK$6.74M · loan HK$10.10M · min. income ≈ HK$108,070/mo (50% DSR)
Upfront cash ≈ HK$7.37M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,762
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,434
−HK$1,699/mo
Today · 4.125%
HK$57,133
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,476/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$114,266/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,809
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,413
−HK$1,627/mo
Today · 4.125%
HK$63,040
baseline
▲ 0.50% · 4.625%
HK$66,363
+HK$3,323/mo
Deposit HK$5.05M · loan HK$11.79M · min. income ≈ HK$126,080/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,122
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,272
−HK$2,184/mo
Today · 4.125%
HK$73,456
baseline
▲ 0.50% · 4.625%
HK$77,926
+HK$4,470/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$146,912/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,897
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,960
−HK$2,092/mo
Today · 4.125%
HK$81,052
baseline
▲ 0.50% · 4.625%
HK$85,324
+HK$4,272/mo
Deposit HK$1.68M · loan HK$15.16M · min. income ≈ HK$162,104/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$631,526 · Scale 2, in force from 26 Feb 2026)