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$40,382
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,277/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,526
+HK$2,611/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,925
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,130
−HK$1,222/mo
Today · 4.125%
HK$47,352
baseline
▲ 0.50% · 4.625%
HK$49,848
+HK$2,496/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,704/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,459
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,966
−HK$1,531/mo
Today · 4.125%
HK$51,497
baseline
▲ 0.50% · 4.625%
HK$54,631
+HK$3,134/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$102,994/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,910
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,356
−HK$1,466/mo
Today · 4.125%
HK$56,822
baseline
▲ 0.50% · 4.625%
HK$59,818
+HK$2,996/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,644/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,535
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,294
−HK$1,786/mo
Today · 4.125%
HK$60,080
baseline
▲ 0.50% · 4.625%
HK$63,736
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,160/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,895
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,582
−HK$1,711/mo
Today · 4.125%
HK$66,293
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,586/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,688
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,949
−HK$2,297/mo
Today · 4.125%
HK$77,246
baseline
▲ 0.50% · 4.625%
HK$81,946
+HK$4,700/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,492/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,865
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,033
−HK$2,201/mo
Today · 4.125%
HK$85,234
baseline
▲ 0.50% · 4.625%
HK$89,726
+HK$4,492/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,468/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,107 · Scale 2, in force from 26 Feb 2026)