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$40,473
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,732
−HK$1,280/mo
Today · 4.125%
HK$43,012
baseline
▲ 0.50% · 4.625%
HK$45,629
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,024/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,026
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,234
−HK$1,225/mo
Today · 4.125%
HK$47,459
baseline
▲ 0.50% · 4.625%
HK$49,961
+HK$2,502/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,918/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,568
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,079
−HK$1,535/mo
Today · 4.125%
HK$51,614
baseline
▲ 0.50% · 4.625%
HK$54,754
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,228/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,032
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,481
−HK$1,470/mo
Today · 4.125%
HK$56,951
baseline
▲ 0.50% · 4.625%
HK$59,953
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,902/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,663
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,425
−HK$1,791/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,880
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,037
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,728
−HK$1,715/mo
Today · 4.125%
HK$66,443
baseline
▲ 0.50% · 4.625%
HK$69,945
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,886/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,852
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,118
−HK$2,303/mo
Today · 4.125%
HK$77,421
baseline
▲ 0.50% · 4.625%
HK$82,132
+HK$4,711/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,842/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,047
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,221
−HK$2,205/mo
Today · 4.125%
HK$85,426
baseline
▲ 0.50% · 4.625%
HK$89,929
+HK$4,503/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,852/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,608 · Scale 2, in force from 26 Feb 2026)