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$40,406
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,663
−HK$1,276/mo
Today · 4.125%
HK$42,939
baseline
▲ 0.50% · 4.625%
HK$45,552
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,878/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,951
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,223/mo
Today · 4.125%
HK$47,379
baseline
▲ 0.50% · 4.625%
HK$49,877
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,758/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,487
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,995
−HK$1,532/mo
Today · 4.125%
HK$51,527
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,054/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,941
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,388
−HK$1,467/mo
Today · 4.125%
HK$56,855
baseline
▲ 0.50% · 4.625%
HK$59,852
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,710/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,568
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,328
−HK$1,787/mo
Today · 4.125%
HK$60,115
baseline
▲ 0.50% · 4.625%
HK$63,773
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,230/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,931
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,619
−HK$1,712/mo
Today · 4.125%
HK$66,331
baseline
▲ 0.50% · 4.625%
HK$69,828
+HK$3,497/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,662/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,730
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,993
−HK$2,298/mo
Today · 4.125%
HK$77,291
baseline
▲ 0.50% · 4.625%
HK$81,994
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,582/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,912
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,082
−HK$2,201/mo
Today · 4.125%
HK$85,283
baseline
▲ 0.50% · 4.625%
HK$89,778
+HK$4,495/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,566/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,493 · Scale 2, in force from 26 Feb 2026)