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$39,675
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,254/mo
Today · 4.125%
HK$42,163
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,326/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,138
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,322
−HK$1,201/mo
Today · 4.125%
HK$46,523
baseline
▲ 0.50% · 4.625%
HK$48,975
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,046/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,610
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,091
−HK$1,505/mo
Today · 4.125%
HK$50,596
baseline
▲ 0.50% · 4.625%
HK$53,674
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,192/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,966
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,441/mo
Today · 4.125%
HK$55,827
baseline
▲ 0.50% · 4.625%
HK$58,770
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,654/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,545
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,273
−HK$1,755/mo
Today · 4.125%
HK$59,028
baseline
▲ 0.50% · 4.625%
HK$62,620
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,056/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,794
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,451
−HK$1,681/mo
Today · 4.125%
HK$65,132
baseline
▲ 0.50% · 4.625%
HK$68,565
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,264/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,415
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,637
−HK$2,257/mo
Today · 4.125%
HK$75,894
baseline
▲ 0.50% · 4.625%
HK$80,512
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,788/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,449
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,580
−HK$2,161/mo
Today · 4.125%
HK$83,741
baseline
▲ 0.50% · 4.625%
HK$88,155
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,482/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,479 · Scale 2, in force from 26 Feb 2026)