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$39,631
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,864
−HK$1,252/mo
Today · 4.125%
HK$42,116
baseline
▲ 0.50% · 4.625%
HK$44,679
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,232/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,089
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,272
−HK$1,199/mo
Today · 4.125%
HK$46,471
baseline
▲ 0.50% · 4.625%
HK$48,921
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,942/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,557
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,037
−HK$1,503/mo
Today · 4.125%
HK$50,540
baseline
▲ 0.50% · 4.625%
HK$53,615
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,080/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,907
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,326
−HK$1,440/mo
Today · 4.125%
HK$55,766
baseline
▲ 0.50% · 4.625%
HK$58,705
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,532/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,484
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,209
−HK$1,754/mo
Today · 4.125%
HK$58,963
baseline
▲ 0.50% · 4.625%
HK$62,551
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,926/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,725
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,380
−HK$1,680/mo
Today · 4.125%
HK$65,060
baseline
▲ 0.50% · 4.625%
HK$68,489
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,120/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,336
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,555
−HK$2,255/mo
Today · 4.125%
HK$75,810
baseline
▲ 0.50% · 4.625%
HK$80,422
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,620/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,361
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,489
−HK$2,159/mo
Today · 4.125%
HK$83,648
baseline
▲ 0.50% · 4.625%
HK$88,058
+HK$4,410/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,296/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,756 · Scale 2, in force from 26 Feb 2026)