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$38,803
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,226/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,746
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,174/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$47,899
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,564
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,012
−HK$1,472/mo
Today · 4.125%
HK$49,484
baseline
▲ 0.50% · 4.625%
HK$52,495
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,968/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,802
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,191
−HK$1,409/mo
Today · 4.125%
HK$54,600
baseline
▲ 0.50% · 4.625%
HK$57,479
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,200/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,324
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,014
−HK$1,717/mo
Today · 4.125%
HK$57,731
baseline
▲ 0.50% · 4.625%
HK$61,244
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,462/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,435
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,056
−HK$1,645/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,058
+HK$3,357/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,846
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,018
−HK$2,208/mo
Today · 4.125%
HK$74,226
baseline
▲ 0.50% · 4.625%
HK$78,742
+HK$4,516/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,452/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,703
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,787
−HK$2,114/mo
Today · 4.125%
HK$81,901
baseline
▲ 0.50% · 4.625%
HK$86,218
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,802/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,139 · Scale 2, in force from 26 Feb 2026)