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$39,726
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,962
−HK$1,255/mo
Today · 4.125%
HK$42,217
baseline
▲ 0.50% · 4.625%
HK$44,786
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,434/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,195
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,380
−HK$1,202/mo
Today · 4.125%
HK$46,582
baseline
▲ 0.50% · 4.625%
HK$49,038
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,164/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,671
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,154
−HK$1,506/mo
Today · 4.125%
HK$50,660
baseline
▲ 0.50% · 4.625%
HK$53,743
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,320/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,034
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,456
−HK$1,443/mo
Today · 4.125%
HK$55,899
baseline
▲ 0.50% · 4.625%
HK$58,845
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,798/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,616
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,346
−HK$1,758/mo
Today · 4.125%
HK$59,104
baseline
▲ 0.50% · 4.625%
HK$62,700
+HK$3,596/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,208/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,872
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,532
−HK$1,683/mo
Today · 4.125%
HK$65,215
baseline
▲ 0.50% · 4.625%
HK$68,653
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,430/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,507
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,731
−HK$2,260/mo
Today · 4.125%
HK$75,991
baseline
▲ 0.50% · 4.625%
HK$80,614
+HK$4,623/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,982/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,550
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,684
−HK$2,164/mo
Today · 4.125%
HK$83,848
baseline
▲ 0.50% · 4.625%
HK$88,268
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,696/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,313 · Scale 2, in force from 26 Feb 2026)