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$38,256
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,209/mo
Today · 4.125%
HK$40,654
baseline
▲ 0.50% · 4.625%
HK$43,128
+HK$2,474/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$81,308/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,559
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$43,700
−HK$1,158/mo
Today · 4.125%
HK$44,858
baseline
▲ 0.50% · 4.625%
HK$47,223
+HK$2,365/mo
Deposit HK$8.39M · loan HK$8.39M · min. income ≈ HK$89,716/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,907
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,335
−HK$1,450/mo
Today · 4.125%
HK$48,785
baseline
▲ 0.50% · 4.625%
HK$51,754
+HK$2,969/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$97,570/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,071
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,440
−HK$1,390/mo
Today · 4.125%
HK$53,830
baseline
▲ 0.50% · 4.625%
HK$56,667
+HK$2,837/mo
Deposit HK$6.71M · loan HK$10.07M · min. income ≈ HK$107,660/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,558
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,224
−HK$1,692/mo
Today · 4.125%
HK$56,916
baseline
▲ 0.50% · 4.625%
HK$60,379
+HK$3,463/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$113,832/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,582
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,180
−HK$1,621/mo
Today · 4.125%
HK$62,801
baseline
▲ 0.50% · 4.625%
HK$66,112
+HK$3,311/mo
Deposit HK$5.03M · loan HK$11.74M · min. income ≈ HK$125,602/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,860
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$71,002
−HK$2,176/mo
Today · 4.125%
HK$73,178
baseline
▲ 0.50% · 4.625%
HK$77,631
+HK$4,453/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$146,356/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,606
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$78,660
−HK$2,085/mo
Today · 4.125%
HK$80,745
baseline
▲ 0.50% · 4.625%
HK$85,001
+HK$4,256/mo
Deposit HK$1.68M · loan HK$15.10M · min. income ≈ HK$161,490/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$629,132 · Scale 2, in force from 26 Feb 2026)