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$40,075
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,267/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,583
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,779
−HK$1,212/mo
Today · 4.125%
HK$46,991
baseline
▲ 0.50% · 4.625%
HK$49,468
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,982/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,090
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,586
−HK$1,519/mo
Today · 4.125%
HK$51,105
baseline
▲ 0.50% · 4.625%
HK$54,215
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,210/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,499
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,934
−HK$1,456/mo
Today · 4.125%
HK$56,390
baseline
▲ 0.50% · 4.625%
HK$59,362
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,780/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,105
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,850
−HK$1,773/mo
Today · 4.125%
HK$59,623
baseline
▲ 0.50% · 4.625%
HK$63,251
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,246/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,416
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,090
−HK$1,698/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,256
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,135
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,378
−HK$2,280/mo
Today · 4.125%
HK$76,658
baseline
▲ 0.50% · 4.625%
HK$81,323
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,316/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,249
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,401
−HK$2,184/mo
Today · 4.125%
HK$84,585
baseline
▲ 0.50% · 4.625%
HK$89,043
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,170/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,051 · Scale 2, in force from 26 Feb 2026)