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$40,335
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,275/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,872
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,075
−HK$1,221/mo
Today · 4.125%
HK$47,296
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,592/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,402
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,907
−HK$1,530/mo
Today · 4.125%
HK$51,437
baseline
▲ 0.50% · 4.625%
HK$54,567
+HK$3,130/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,874/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,846
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,465/mo
Today · 4.125%
HK$56,756
baseline
▲ 0.50% · 4.625%
HK$59,747
+HK$2,991/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,512/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,469
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,225
−HK$1,785/mo
Today · 4.125%
HK$60,010
baseline
▲ 0.50% · 4.625%
HK$63,661
+HK$3,651/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,020/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,821
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,506
−HK$1,709/mo
Today · 4.125%
HK$66,215
baseline
▲ 0.50% · 4.625%
HK$69,705
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,430/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,603
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,861
−HK$2,294/mo
Today · 4.125%
HK$77,155
baseline
▲ 0.50% · 4.625%
HK$81,850
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,310/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,770
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,936
−HK$2,197/mo
Today · 4.125%
HK$85,133
baseline
▲ 0.50% · 4.625%
HK$89,621
+HK$4,488/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,266/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,326 · Scale 2, in force from 26 Feb 2026)