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$38,537
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,218/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,446
+HK$2,492/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,872
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,167/mo
Today · 4.125%
HK$45,189
baseline
▲ 0.50% · 4.625%
HK$47,571
+HK$2,382/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,378/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,245
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,683
−HK$1,462/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,990/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,447
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$52,827
−HK$1,399/mo
Today · 4.125%
HK$54,226
baseline
▲ 0.50% · 4.625%
HK$57,085
+HK$2,859/mo
Deposit HK$6.76M · loan HK$10.14M · min. income ≈ HK$108,452/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,952
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,630
−HK$1,706/mo
Today · 4.125%
HK$57,336
baseline
▲ 0.50% · 4.625%
HK$60,824
+HK$3,488/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$114,672/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,021
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,631
−HK$1,633/mo
Today · 4.125%
HK$63,264
baseline
▲ 0.50% · 4.625%
HK$66,599
+HK$3,335/mo
Deposit HK$5.07M · loan HK$11.83M · min. income ≈ HK$126,528/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,367
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,525
−HK$2,192/mo
Today · 4.125%
HK$73,717
baseline
▲ 0.50% · 4.625%
HK$78,203
+HK$4,486/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$147,434/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,170
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,240
−HK$2,100/mo
Today · 4.125%
HK$81,340
baseline
▲ 0.50% · 4.625%
HK$85,627
+HK$4,287/mo
Deposit HK$1.69M · loan HK$15.21M · min. income ≈ HK$162,680/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,766 · Scale 2, in force from 26 Feb 2026)