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$39,995
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,239
−HK$1,264/mo
Today · 4.125%
HK$42,503
baseline
▲ 0.50% · 4.625%
HK$45,089
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,006/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,494
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,687
−HK$1,211/mo
Today · 4.125%
HK$46,898
baseline
▲ 0.50% · 4.625%
HK$49,370
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,796/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,486
−HK$1,517/mo
Today · 4.125%
HK$51,003
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,006/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,392
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,824
−HK$1,453/mo
Today · 4.125%
HK$56,277
baseline
▲ 0.50% · 4.625%
HK$59,243
+HK$2,966/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,554/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,734
−HK$1,770/mo
Today · 4.125%
HK$59,504
baseline
▲ 0.50% · 4.625%
HK$63,124
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,008/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,291
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,695/mo
Today · 4.125%
HK$65,657
baseline
▲ 0.50% · 4.625%
HK$69,117
+HK$3,460/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,314/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,990
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,230
−HK$2,275/mo
Today · 4.125%
HK$76,505
baseline
▲ 0.50% · 4.625%
HK$81,160
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,010/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,089
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,237
−HK$2,179/mo
Today · 4.125%
HK$84,416
baseline
▲ 0.50% · 4.625%
HK$88,865
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,832/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,733 · Scale 2, in force from 26 Feb 2026)