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$39,529
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,759
−HK$1,249/mo
Today · 4.125%
HK$42,008
baseline
▲ 0.50% · 4.625%
HK$44,564
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,016/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,976
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,197/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,435
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,911
−HK$1,499/mo
Today · 4.125%
HK$50,410
baseline
▲ 0.50% · 4.625%
HK$53,477
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,820/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,186
−HK$1,436/mo
Today · 4.125%
HK$55,622
baseline
▲ 0.50% · 4.625%
HK$58,554
+HK$2,932/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,244/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,341
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,749/mo
Today · 4.125%
HK$58,811
baseline
▲ 0.50% · 4.625%
HK$62,390
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,622/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,566
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,217
−HK$1,675/mo
Today · 4.125%
HK$64,892
baseline
▲ 0.50% · 4.625%
HK$68,313
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,784/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,153
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,366
−HK$2,249/mo
Today · 4.125%
HK$75,615
baseline
▲ 0.50% · 4.625%
HK$80,215
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,230/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,157
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,280
−HK$2,153/mo
Today · 4.125%
HK$83,433
baseline
▲ 0.50% · 4.625%
HK$87,831
+HK$4,398/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,866/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,079 · Scale 2, in force from 26 Feb 2026)