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$40,282
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,535
−HK$1,273/mo
Today · 4.125%
HK$42,808
baseline
▲ 0.50% · 4.625%
HK$45,413
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,616/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,016
−HK$1,219/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,339
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,842
−HK$1,528/mo
Today · 4.125%
HK$51,370
baseline
▲ 0.50% · 4.625%
HK$54,496
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,740/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,776
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,463/mo
Today · 4.125%
HK$56,682
baseline
▲ 0.50% · 4.625%
HK$59,670
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,364/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,395
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,149
−HK$1,783/mo
Today · 4.125%
HK$59,932
baseline
▲ 0.50% · 4.625%
HK$63,578
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,864/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,739
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,707/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$69,615
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,508
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,764
−HK$2,291/mo
Today · 4.125%
HK$77,055
baseline
▲ 0.50% · 4.625%
HK$81,744
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,110/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,665
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,828
−HK$2,195/mo
Today · 4.125%
HK$85,023
baseline
▲ 0.50% · 4.625%
HK$89,504
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,046/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,464 · Scale 2, in force from 26 Feb 2026)