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$39,993
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,237
−HK$1,264/mo
Today · 4.125%
HK$42,501
baseline
▲ 0.50% · 4.625%
HK$45,087
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,002/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,491
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,685
−HK$1,210/mo
Today · 4.125%
HK$46,895
baseline
▲ 0.50% · 4.625%
HK$49,367
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,790/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,991
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,517/mo
Today · 4.125%
HK$51,001
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$3,103/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,002/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,390
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,822
−HK$1,452/mo
Today · 4.125%
HK$56,274
baseline
▲ 0.50% · 4.625%
HK$59,240
+HK$2,966/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,548/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,990
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,731
−HK$1,770/mo
Today · 4.125%
HK$59,501
baseline
▲ 0.50% · 4.625%
HK$63,121
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,002/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,288
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,959
−HK$1,694/mo
Today · 4.125%
HK$65,653
baseline
▲ 0.50% · 4.625%
HK$69,114
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,306/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,987
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,226
−HK$2,275/mo
Today · 4.125%
HK$76,501
baseline
▲ 0.50% · 4.625%
HK$81,156
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$153,002/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,085
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,179/mo
Today · 4.125%
HK$84,411
baseline
▲ 0.50% · 4.625%
HK$88,861
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,822/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,701 · Scale 2, in force from 26 Feb 2026)