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$38,605
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$39,806
−HK$1,220/mo
Today · 4.125%
HK$41,026
baseline
▲ 0.50% · 4.625%
HK$43,523
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,052/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,948
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,169/mo
Today · 4.125%
HK$45,269
baseline
▲ 0.50% · 4.625%
HK$47,655
+HK$2,386/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,538/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,327
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,768
−HK$1,464/mo
Today · 4.125%
HK$49,232
baseline
▲ 0.50% · 4.625%
HK$52,227
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,464/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,538
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,920
−HK$1,402/mo
Today · 4.125%
HK$54,322
baseline
▲ 0.50% · 4.625%
HK$57,186
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,644/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,048
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,729
−HK$1,708/mo
Today · 4.125%
HK$57,437
baseline
▲ 0.50% · 4.625%
HK$60,932
+HK$3,495/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,874/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,127
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,740
−HK$1,636/mo
Today · 4.125%
HK$63,376
baseline
▲ 0.50% · 4.625%
HK$66,717
+HK$3,341/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,752/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,490
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,651
−HK$2,196/mo
Today · 4.125%
HK$73,847
baseline
▲ 0.50% · 4.625%
HK$78,341
+HK$4,494/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,694/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,307
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,380
−HK$2,103/mo
Today · 4.125%
HK$81,483
baseline
▲ 0.50% · 4.625%
HK$85,779
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$162,966/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,888 · Scale 2, in force from 26 Feb 2026)