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$40,357
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,613
−HK$1,275/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,222/mo
Today · 4.125%
HK$47,323
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,646/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,429
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,935
−HK$1,531/mo
Today · 4.125%
HK$51,466
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,932/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,877
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,466/mo
Today · 4.125%
HK$56,788
baseline
▲ 0.50% · 4.625%
HK$59,781
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,576/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,500
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,258
−HK$1,786/mo
Today · 4.125%
HK$60,044
baseline
▲ 0.50% · 4.625%
HK$63,697
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,088/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,856
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,542
−HK$1,710/mo
Today · 4.125%
HK$66,252
baseline
▲ 0.50% · 4.625%
HK$69,744
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,504/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,643
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,903
−HK$2,296/mo
Today · 4.125%
HK$77,199
baseline
▲ 0.50% · 4.625%
HK$81,896
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,398/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,815
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,983
−HK$2,198/mo
Today · 4.125%
HK$85,181
baseline
▲ 0.50% · 4.625%
HK$89,671
+HK$4,490/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,362/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,700 · Scale 2, in force from 26 Feb 2026)