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$39,102
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,236/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$44,083
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,501
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,183/mo
Today · 4.125%
HK$45,851
baseline
▲ 0.50% · 4.625%
HK$48,268
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,702/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,923
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,383
−HK$1,482/mo
Today · 4.125%
HK$49,865
baseline
▲ 0.50% · 4.625%
HK$52,900
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,730/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,201
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,601
−HK$1,421/mo
Today · 4.125%
HK$55,022
baseline
▲ 0.50% · 4.625%
HK$57,922
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,044/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,743
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,446
−HK$1,730/mo
Today · 4.125%
HK$58,176
baseline
▲ 0.50% · 4.625%
HK$61,716
+HK$3,540/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,352/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,902
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,535
−HK$1,657/mo
Today · 4.125%
HK$64,192
baseline
▲ 0.50% · 4.625%
HK$67,576
+HK$3,384/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,384/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,384
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,574
−HK$2,224/mo
Today · 4.125%
HK$74,798
baseline
▲ 0.50% · 4.625%
HK$79,350
+HK$4,552/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,596/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,302
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,402
−HK$2,130/mo
Today · 4.125%
HK$82,532
baseline
▲ 0.50% · 4.625%
HK$86,883
+HK$4,351/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,064/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,061 · Scale 2, in force from 26 Feb 2026)