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$38,961
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,173
−HK$1,231/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,923
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,506
−HK$1,179/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,753
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,207
−HK$1,478/mo
Today · 4.125%
HK$49,685
baseline
▲ 0.50% · 4.625%
HK$52,708
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,370/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,012
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,407
−HK$1,415/mo
Today · 4.125%
HK$54,822
baseline
▲ 0.50% · 4.625%
HK$57,712
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,644/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,545
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,242
−HK$1,724/mo
Today · 4.125%
HK$57,966
baseline
▲ 0.50% · 4.625%
HK$61,493
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,932/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,681
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,651/mo
Today · 4.125%
HK$63,959
baseline
▲ 0.50% · 4.625%
HK$67,331
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,918/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,129
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,311
−HK$2,216/mo
Today · 4.125%
HK$74,527
baseline
▲ 0.50% · 4.625%
HK$79,062
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,054/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,018
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,111
−HK$2,122/mo
Today · 4.125%
HK$82,233
baseline
▲ 0.50% · 4.625%
HK$86,568
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,466/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,731 · Scale 2, in force from 26 Feb 2026)