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$39,068
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,283
−HK$1,235/mo
Today · 4.125%
HK$41,518
baseline
▲ 0.50% · 4.625%
HK$44,044
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,036/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,628
−HK$1,183/mo
Today · 4.125%
HK$45,811
baseline
▲ 0.50% · 4.625%
HK$48,225
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,622/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,881
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,340
−HK$1,481/mo
Today · 4.125%
HK$49,821
baseline
▲ 0.50% · 4.625%
HK$52,853
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,642/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,155
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,554
−HK$1,419/mo
Today · 4.125%
HK$54,973
baseline
▲ 0.50% · 4.625%
HK$57,870
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,946/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,695
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,729/mo
Today · 4.125%
HK$58,125
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,250/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,847
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,479
−HK$1,656/mo
Today · 4.125%
HK$64,135
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,270/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,509
−HK$2,223/mo
Today · 4.125%
HK$74,732
baseline
▲ 0.50% · 4.625%
HK$79,279
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,464/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,232
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,331
−HK$2,128/mo
Today · 4.125%
HK$82,459
baseline
▲ 0.50% · 4.625%
HK$86,806
+HK$4,347/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,918/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,489 · Scale 2, in force from 26 Feb 2026)