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$39,666
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,254/mo
Today · 4.125%
HK$42,153
baseline
▲ 0.50% · 4.625%
HK$44,718
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,306/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,128
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,311
−HK$1,201/mo
Today · 4.125%
HK$46,512
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,024/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,079
−HK$1,505/mo
Today · 4.125%
HK$50,584
baseline
▲ 0.50% · 4.625%
HK$53,662
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,168/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,953
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,373
−HK$1,441/mo
Today · 4.125%
HK$55,814
baseline
▲ 0.50% · 4.625%
HK$58,756
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,628/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,532
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,259
−HK$1,755/mo
Today · 4.125%
HK$59,014
baseline
▲ 0.50% · 4.625%
HK$62,605
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,028/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,779
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,436
−HK$1,680/mo
Today · 4.125%
HK$65,116
baseline
▲ 0.50% · 4.625%
HK$68,549
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,232/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,398
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,619
−HK$2,256/mo
Today · 4.125%
HK$75,875
baseline
▲ 0.50% · 4.625%
HK$80,492
+HK$4,617/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,750/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,430
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,560
−HK$2,161/mo
Today · 4.125%
HK$83,721
baseline
▲ 0.50% · 4.625%
HK$88,134
+HK$4,413/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,442/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,323 · Scale 2, in force from 26 Feb 2026)