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$39,407
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,633
−HK$1,245/mo
Today · 4.125%
HK$41,878
baseline
▲ 0.50% · 4.625%
HK$44,426
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,756/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,840
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,016
−HK$1,192/mo
Today · 4.125%
HK$46,208
baseline
▲ 0.50% · 4.625%
HK$48,644
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,416/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,288
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,759
−HK$1,495/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$53,312
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,431/mo
Today · 4.125%
HK$55,450
baseline
▲ 0.50% · 4.625%
HK$58,373
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,900/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,170
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,886
−HK$1,743/mo
Today · 4.125%
HK$58,629
baseline
▲ 0.50% · 4.625%
HK$62,197
+HK$3,568/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,258/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,376
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,022
−HK$1,670/mo
Today · 4.125%
HK$64,692
baseline
▲ 0.50% · 4.625%
HK$68,102
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,384/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,932
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,139
−HK$2,242/mo
Today · 4.125%
HK$75,381
baseline
▲ 0.50% · 4.625%
HK$79,967
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,762/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,912
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,147/mo
Today · 4.125%
HK$83,175
baseline
▲ 0.50% · 4.625%
HK$87,559
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,350/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,068 · Scale 2, in force from 26 Feb 2026)