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$38,727
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,224/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,083
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,172/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$47,805
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,918
−HK$1,469/mo
Today · 4.125%
HK$49,387
baseline
▲ 0.50% · 4.625%
HK$52,392
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,774/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,700
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,087
−HK$1,406/mo
Today · 4.125%
HK$54,493
baseline
▲ 0.50% · 4.625%
HK$57,366
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,986/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,218
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,904
−HK$1,714/mo
Today · 4.125%
HK$57,618
baseline
▲ 0.50% · 4.625%
HK$61,124
+HK$3,506/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,236/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,317
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,934
−HK$1,642/mo
Today · 4.125%
HK$63,576
baseline
▲ 0.50% · 4.625%
HK$66,927
+HK$3,351/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,152/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,709
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$2,203/mo
Today · 4.125%
HK$74,080
baseline
▲ 0.50% · 4.625%
HK$78,588
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,160/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,550
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,630
−HK$2,110/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,887 · Scale 2, in force from 26 Feb 2026)