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$40,387
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,643
−HK$1,276/mo
Today · 4.125%
HK$42,919
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,838/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,135
−HK$1,222/mo
Today · 4.125%
HK$47,357
baseline
▲ 0.50% · 4.625%
HK$49,854
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,714/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,464
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,531/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,637
+HK$3,134/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,916
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,362
−HK$1,467/mo
Today · 4.125%
HK$56,829
baseline
▲ 0.50% · 4.625%
HK$59,824
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,658/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,541
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,300
−HK$1,787/mo
Today · 4.125%
HK$60,087
baseline
▲ 0.50% · 4.625%
HK$63,743
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,174/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,902
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,589
−HK$1,711/mo
Today · 4.125%
HK$66,300
baseline
▲ 0.50% · 4.625%
HK$69,795
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,600/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,696
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,957
−HK$2,298/mo
Today · 4.125%
HK$77,255
baseline
▲ 0.50% · 4.625%
HK$81,956
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,510/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,874
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,043
−HK$2,200/mo
Today · 4.125%
HK$85,243
baseline
▲ 0.50% · 4.625%
HK$89,736
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,486/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,182 · Scale 2, in force from 26 Feb 2026)