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$40,246
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,498
−HK$1,272/mo
Today · 4.125%
HK$42,770
baseline
▲ 0.50% · 4.625%
HK$45,373
+HK$2,603/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,540/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,218/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$49,680
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,798
−HK$1,526/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,447
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,728
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,169
−HK$1,462/mo
Today · 4.125%
HK$56,631
baseline
▲ 0.50% · 4.625%
HK$59,616
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,262/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,345
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,098
−HK$1,780/mo
Today · 4.125%
HK$59,878
baseline
▲ 0.50% · 4.625%
HK$63,522
+HK$3,644/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,756/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,683
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,364
−HK$1,706/mo
Today · 4.125%
HK$66,070
baseline
▲ 0.50% · 4.625%
HK$69,552
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,140/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,444
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,697
−HK$2,289/mo
Today · 4.125%
HK$76,986
baseline
▲ 0.50% · 4.625%
HK$81,671
+HK$4,685/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,972/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,593
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,754
−HK$2,193/mo
Today · 4.125%
HK$84,947
baseline
▲ 0.50% · 4.625%
HK$89,425
+HK$4,478/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,894/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,874 · Scale 2, in force from 26 Feb 2026)