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$38,490
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$39,687
−HK$1,217/mo
Today · 4.125%
HK$40,904
baseline
▲ 0.50% · 4.625%
HK$43,393
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,808/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,820
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,165/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,379/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,625
−HK$1,459/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$52,071
+HK$2,987/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,384
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,762
−HK$1,398/mo
Today · 4.125%
HK$54,160
baseline
▲ 0.50% · 4.625%
HK$57,015
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,320/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,886
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,562
−HK$1,703/mo
Today · 4.125%
HK$57,265
baseline
▲ 0.50% · 4.625%
HK$60,750
+HK$3,485/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$114,530/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,948
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,555
−HK$1,631/mo
Today · 4.125%
HK$63,186
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,331/mo
Deposit HK$5.06M · loan HK$11.82M · min. income ≈ HK$126,372/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,282
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,437
−HK$2,190/mo
Today · 4.125%
HK$73,627
baseline
▲ 0.50% · 4.625%
HK$78,107
+HK$4,480/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,254/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,075
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,143
−HK$2,097/mo
Today · 4.125%
HK$81,240
baseline
▲ 0.50% · 4.625%
HK$85,522
+HK$4,282/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,480/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,988 · Scale 2, in force from 26 Feb 2026)