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$40,180
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,270/mo
Today · 4.125%
HK$42,699
baseline
▲ 0.50% · 4.625%
HK$45,297
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,398/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,699
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,898
−HK$1,216/mo
Today · 4.125%
HK$47,114
baseline
▲ 0.50% · 4.625%
HK$49,598
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,228/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,215
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,524/mo
Today · 4.125%
HK$51,239
baseline
▲ 0.50% · 4.625%
HK$54,357
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,478/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,459/mo
Today · 4.125%
HK$56,537
baseline
▲ 0.50% · 4.625%
HK$59,517
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,074/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,251
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,001
−HK$1,778/mo
Today · 4.125%
HK$59,779
baseline
▲ 0.50% · 4.625%
HK$63,416
+HK$3,637/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,558/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,579
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,257
−HK$1,703/mo
Today · 4.125%
HK$65,960
baseline
▲ 0.50% · 4.625%
HK$69,437
+HK$3,477/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,920/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,323
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,573
−HK$2,285/mo
Today · 4.125%
HK$76,858
baseline
▲ 0.50% · 4.625%
HK$81,535
+HK$4,677/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,716/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,459
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,617
−HK$2,189/mo
Today · 4.125%
HK$84,806
baseline
▲ 0.50% · 4.625%
HK$89,276
+HK$4,470/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,612/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,774 · Scale 2, in force from 26 Feb 2026)