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$39,523
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,249/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,969
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,148
−HK$1,196/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$48,787
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,427
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,499/mo
Today · 4.125%
HK$50,401
baseline
▲ 0.50% · 4.625%
HK$53,468
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,802/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,762
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,177
−HK$1,436/mo
Today · 4.125%
HK$55,613
baseline
▲ 0.50% · 4.625%
HK$58,544
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,226/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,332
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,749/mo
Today · 4.125%
HK$58,802
baseline
▲ 0.50% · 4.625%
HK$62,379
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,604/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,556
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,207
−HK$1,675/mo
Today · 4.125%
HK$64,882
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,764/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,141
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,354
−HK$2,248/mo
Today · 4.125%
HK$75,602
baseline
▲ 0.50% · 4.625%
HK$80,202
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,204/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,143
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,266
−HK$2,153/mo
Today · 4.125%
HK$83,419
baseline
▲ 0.50% · 4.625%
HK$87,816
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,838/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,971 · Scale 2, in force from 26 Feb 2026)