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$40,259
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,273/mo
Today · 4.125%
HK$42,784
baseline
▲ 0.50% · 4.625%
HK$45,387
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,568/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,788
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,989
−HK$1,218/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$49,696
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,311
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,527/mo
Today · 4.125%
HK$51,340
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,680/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,187
−HK$1,462/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$59,635
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,363
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,116
−HK$1,781/mo
Today · 4.125%
HK$59,897
baseline
▲ 0.50% · 4.625%
HK$63,542
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,794/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,703
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,384
−HK$1,706/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$69,574
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,466
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$2,290/mo
Today · 4.125%
HK$77,010
baseline
▲ 0.50% · 4.625%
HK$81,696
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,020/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,618
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,780
−HK$2,193/mo
Today · 4.125%
HK$84,973
baseline
▲ 0.50% · 4.625%
HK$89,452
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,946/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,079 · Scale 2, in force from 26 Feb 2026)