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$38,481
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,678
−HK$1,216/mo
Today · 4.125%
HK$40,894
baseline
▲ 0.50% · 4.625%
HK$43,383
+HK$2,489/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,788/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,810
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$43,958
−HK$1,165/mo
Today · 4.125%
HK$45,123
baseline
▲ 0.50% · 4.625%
HK$47,501
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,246/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,177
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,614
−HK$1,459/mo
Today · 4.125%
HK$49,073
baseline
▲ 0.50% · 4.625%
HK$52,059
+HK$2,986/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$98,146/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,372
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,750
−HK$1,397/mo
Today · 4.125%
HK$54,147
baseline
▲ 0.50% · 4.625%
HK$57,002
+HK$2,855/mo
Deposit HK$6.75M · loan HK$10.13M · min. income ≈ HK$108,294/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,874
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,549
−HK$1,703/mo
Today · 4.125%
HK$57,252
baseline
▲ 0.50% · 4.625%
HK$60,736
+HK$3,484/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,504/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,934
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,541
−HK$1,631/mo
Today · 4.125%
HK$63,172
baseline
▲ 0.50% · 4.625%
HK$66,502
+HK$3,330/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,344/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,266
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,421
−HK$2,189/mo
Today · 4.125%
HK$73,610
baseline
▲ 0.50% · 4.625%
HK$78,089
+HK$4,479/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,220/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,058
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,125
−HK$2,096/mo
Today · 4.125%
HK$81,221
baseline
▲ 0.50% · 4.625%
HK$85,502
+HK$4,281/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,442/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,843 · Scale 2, in force from 26 Feb 2026)