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$40,341
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,596
−HK$1,275/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,742/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,879
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,083
−HK$1,221/mo
Today · 4.125%
HK$47,304
baseline
▲ 0.50% · 4.625%
HK$49,797
+HK$2,493/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,608/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,410
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,530/mo
Today · 4.125%
HK$51,445
baseline
▲ 0.50% · 4.625%
HK$54,576
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,890/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,855
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,300
−HK$1,465/mo
Today · 4.125%
HK$56,765
baseline
▲ 0.50% · 4.625%
HK$59,757
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,530/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,478
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,235
−HK$1,784/mo
Today · 4.125%
HK$60,019
baseline
▲ 0.50% · 4.625%
HK$63,672
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,038/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,831
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,516
−HK$1,710/mo
Today · 4.125%
HK$66,226
baseline
▲ 0.50% · 4.625%
HK$69,716
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,452/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,614
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,873
−HK$2,295/mo
Today · 4.125%
HK$77,168
baseline
▲ 0.50% · 4.625%
HK$81,863
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,336/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,783
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,949
−HK$2,198/mo
Today · 4.125%
HK$85,147
baseline
▲ 0.50% · 4.625%
HK$89,635
+HK$4,488/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,294/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,434 · Scale 2, in force from 26 Feb 2026)