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$40,154
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,403
−HK$1,269/mo
Today · 4.125%
HK$42,672
baseline
▲ 0.50% · 4.625%
HK$45,268
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,344/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,215/mo
Today · 4.125%
HK$47,084
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,482/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,168/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,185
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,523/mo
Today · 4.125%
HK$51,206
baseline
▲ 0.50% · 4.625%
HK$54,322
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,412/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,605
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,459/mo
Today · 4.125%
HK$56,501
baseline
▲ 0.50% · 4.625%
HK$59,479
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,002/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,215
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,964
−HK$1,776/mo
Today · 4.125%
HK$59,740
baseline
▲ 0.50% · 4.625%
HK$63,376
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,480/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,539
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,702/mo
Today · 4.125%
HK$65,918
baseline
▲ 0.50% · 4.625%
HK$69,392
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,836/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,277
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,525
−HK$2,284/mo
Today · 4.125%
HK$76,809
baseline
▲ 0.50% · 4.625%
HK$81,483
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,618/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,407
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,564
−HK$2,187/mo
Today · 4.125%
HK$84,751
baseline
▲ 0.50% · 4.625%
HK$89,219
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,502/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,350 · Scale 2, in force from 26 Feb 2026)