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$40,068
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,266/mo
Today · 4.125%
HK$42,580
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,160/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,575
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,770
−HK$1,213/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,460
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,081
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,577
−HK$1,519/mo
Today · 4.125%
HK$51,096
baseline
▲ 0.50% · 4.625%
HK$54,205
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,192/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,490
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,924
−HK$1,456/mo
Today · 4.125%
HK$56,380
baseline
▲ 0.50% · 4.625%
HK$59,351
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,760/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,095
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,839
−HK$1,773/mo
Today · 4.125%
HK$59,612
baseline
▲ 0.50% · 4.625%
HK$63,239
+HK$3,627/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,224/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,405
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,078
−HK$1,698/mo
Today · 4.125%
HK$65,776
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,552/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,122
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,365
−HK$2,279/mo
Today · 4.125%
HK$76,644
baseline
▲ 0.50% · 4.625%
HK$81,308
+HK$4,664/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,288/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,235
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,386
−HK$2,183/mo
Today · 4.125%
HK$84,569
baseline
▲ 0.50% · 4.625%
HK$89,027
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,138/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,932 · Scale 2, in force from 26 Feb 2026)