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$38,565
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,765
−HK$1,218/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,477
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,903
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,054
−HK$1,167/mo
Today · 4.125%
HK$45,221
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,442/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,278
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,717
−HK$1,463/mo
Today · 4.125%
HK$49,180
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,992/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,360/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,484
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,401/mo
Today · 4.125%
HK$54,265
baseline
▲ 0.50% · 4.625%
HK$57,126
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,530/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,991
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,707/mo
Today · 4.125%
HK$57,377
baseline
▲ 0.50% · 4.625%
HK$60,868
+HK$3,491/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,754/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,675
−HK$1,634/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$66,647
+HK$3,338/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,417
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,576
−HK$2,194/mo
Today · 4.125%
HK$73,770
baseline
▲ 0.50% · 4.625%
HK$78,259
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,540/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,226
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,297
−HK$2,101/mo
Today · 4.125%
HK$81,398
baseline
▲ 0.50% · 4.625%
HK$85,688
+HK$4,290/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,796/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,221 · Scale 2, in force from 26 Feb 2026)