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$39,678
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,253/mo
Today · 4.125%
HK$42,166
baseline
▲ 0.50% · 4.625%
HK$44,732
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,332/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,142
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,201/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$48,979
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,614
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,095
−HK$1,505/mo
Today · 4.125%
HK$50,600
baseline
▲ 0.50% · 4.625%
HK$53,679
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,200/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,970
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,391
−HK$1,441/mo
Today · 4.125%
HK$55,832
baseline
▲ 0.50% · 4.625%
HK$58,775
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,664/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,550
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,755/mo
Today · 4.125%
HK$59,033
baseline
▲ 0.50% · 4.625%
HK$62,625
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,066/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,798
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,456
−HK$1,681/mo
Today · 4.125%
HK$65,137
baseline
▲ 0.50% · 4.625%
HK$68,571
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,274/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,421
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,643
−HK$2,257/mo
Today · 4.125%
HK$75,900
baseline
▲ 0.50% · 4.625%
HK$80,518
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,800/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,455
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,586
−HK$2,162/mo
Today · 4.125%
HK$83,748
baseline
▲ 0.50% · 4.625%
HK$88,162
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,496/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,531 · Scale 2, in force from 26 Feb 2026)