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$39,370
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,595
−HK$1,244/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,385
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,799
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,191/mo
Today · 4.125%
HK$46,165
baseline
▲ 0.50% · 4.625%
HK$48,599
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,330/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,244
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,714
−HK$1,493/mo
Today · 4.125%
HK$50,207
baseline
▲ 0.50% · 4.625%
HK$53,262
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,414/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,559
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,968
−HK$1,430/mo
Today · 4.125%
HK$55,398
baseline
▲ 0.50% · 4.625%
HK$58,318
+HK$2,920/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,796/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,118
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,833
−HK$1,742/mo
Today · 4.125%
HK$58,575
baseline
▲ 0.50% · 4.625%
HK$62,139
+HK$3,564/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,150/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,318
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,963
−HK$1,668/mo
Today · 4.125%
HK$64,631
baseline
▲ 0.50% · 4.625%
HK$68,038
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,262/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,866
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$2,239/mo
Today · 4.125%
HK$75,310
baseline
▲ 0.50% · 4.625%
HK$79,893
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,620/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,838
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,952
−HK$2,145/mo
Today · 4.125%
HK$83,097
baseline
▲ 0.50% · 4.625%
HK$87,478
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,194/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,463 · Scale 2, in force from 26 Feb 2026)