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$39,113
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,329
−HK$1,237/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$44,095
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,513
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,680
−HK$1,183/mo
Today · 4.125%
HK$45,863
baseline
▲ 0.50% · 4.625%
HK$48,281
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,726/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,935
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,484/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,914
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,215
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,615
−HK$1,421/mo
Today · 4.125%
HK$55,036
baseline
▲ 0.50% · 4.625%
HK$57,937
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,072/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,758
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,461
−HK$1,731/mo
Today · 4.125%
HK$58,192
baseline
▲ 0.50% · 4.625%
HK$61,733
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,384/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,918
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,551
−HK$1,658/mo
Today · 4.125%
HK$64,209
baseline
▲ 0.50% · 4.625%
HK$67,593
+HK$3,384/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,418/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,403
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,593
−HK$2,225/mo
Today · 4.125%
HK$74,818
baseline
▲ 0.50% · 4.625%
HK$79,370
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,636/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,323
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,423
−HK$2,131/mo
Today · 4.125%
HK$82,554
baseline
▲ 0.50% · 4.625%
HK$86,906
+HK$4,352/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,108/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,231 · Scale 2, in force from 26 Feb 2026)