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$40,154
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,403
−HK$1,269/mo
Today · 4.125%
HK$42,672
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,597/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,344/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,216/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,567
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,185
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,684
−HK$1,523/mo
Today · 4.125%
HK$51,207
baseline
▲ 0.50% · 4.625%
HK$54,323
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,414/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,606
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,043
−HK$1,459/mo
Today · 4.125%
HK$56,502
baseline
▲ 0.50% · 4.625%
HK$59,480
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,004/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,216
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,965
−HK$1,776/mo
Today · 4.125%
HK$59,741
baseline
▲ 0.50% · 4.625%
HK$63,376
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,482/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,540
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,217
−HK$1,702/mo
Today · 4.125%
HK$65,919
baseline
▲ 0.50% · 4.625%
HK$69,393
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,838/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,278
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,526
−HK$2,284/mo
Today · 4.125%
HK$76,810
baseline
▲ 0.50% · 4.625%
HK$81,484
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,620/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,408
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,565
−HK$2,188/mo
Today · 4.125%
HK$84,753
baseline
▲ 0.50% · 4.625%
HK$89,220
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,506/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,360 · Scale 2, in force from 26 Feb 2026)