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$39,495
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,723
−HK$1,248/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,525
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,116
−HK$1,195/mo
Today · 4.125%
HK$46,311
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,622/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,394
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,868
−HK$1,498/mo
Today · 4.125%
HK$50,366
baseline
▲ 0.50% · 4.625%
HK$53,430
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,732/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,725
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,139
−HK$1,434/mo
Today · 4.125%
HK$55,573
baseline
▲ 0.50% · 4.625%
HK$58,503
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,146/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,292
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,012
−HK$1,748/mo
Today · 4.125%
HK$58,760
baseline
▲ 0.50% · 4.625%
HK$62,335
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,520/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,512
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,162
−HK$1,674/mo
Today · 4.125%
HK$64,836
baseline
▲ 0.50% · 4.625%
HK$68,253
+HK$3,417/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,672/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,090
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,302
−HK$2,246/mo
Today · 4.125%
HK$75,548
baseline
▲ 0.50% · 4.625%
HK$80,145
+HK$4,597/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,096/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,087
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,208
−HK$2,152/mo
Today · 4.125%
HK$83,360
baseline
▲ 0.50% · 4.625%
HK$87,754
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,720/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,510 · Scale 2, in force from 26 Feb 2026)