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$38,569
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,219/mo
Today · 4.125%
HK$40,988
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,976/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,908
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,059
−HK$1,167/mo
Today · 4.125%
HK$45,226
baseline
▲ 0.50% · 4.625%
HK$47,610
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,452/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,283
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,462/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,489
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,401/mo
Today · 4.125%
HK$54,271
baseline
▲ 0.50% · 4.625%
HK$57,132
+HK$2,861/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,542/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,997
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,707/mo
Today · 4.125%
HK$57,383
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,491/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,766/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,071
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,682
−HK$1,634/mo
Today · 4.125%
HK$63,316
baseline
▲ 0.50% · 4.625%
HK$66,654
+HK$3,338/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,632/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,584
−HK$2,194/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,234
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,305
−HK$2,102/mo
Today · 4.125%
HK$81,407
baseline
▲ 0.50% · 4.625%
HK$85,698
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,814/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,290 · Scale 2, in force from 26 Feb 2026)