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$40,310
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,564
−HK$1,274/mo
Today · 4.125%
HK$42,838
baseline
▲ 0.50% · 4.625%
HK$45,445
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,676/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,845
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,047
−HK$1,221/mo
Today · 4.125%
HK$47,268
baseline
▲ 0.50% · 4.625%
HK$49,759
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,536/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,877
−HK$1,529/mo
Today · 4.125%
HK$51,406
baseline
▲ 0.50% · 4.625%
HK$54,534
+HK$3,128/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,812/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,814
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,257
−HK$1,464/mo
Today · 4.125%
HK$56,721
baseline
▲ 0.50% · 4.625%
HK$59,711
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,442/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,434
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,190
−HK$1,783/mo
Today · 4.125%
HK$59,973
baseline
▲ 0.50% · 4.625%
HK$63,623
+HK$3,650/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,946/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,783
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,466
−HK$1,709/mo
Today · 4.125%
HK$66,175
baseline
▲ 0.50% · 4.625%
HK$69,663
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,350/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,558
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,815
−HK$2,293/mo
Today · 4.125%
HK$77,108
baseline
▲ 0.50% · 4.625%
HK$81,800
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,216/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,721
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,885
−HK$2,197/mo
Today · 4.125%
HK$85,082
baseline
▲ 0.50% · 4.625%
HK$89,566
+HK$4,484/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,164/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,923 · Scale 2, in force from 26 Feb 2026)