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$40,368
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,624
−HK$1,276/mo
Today · 4.125%
HK$42,900
baseline
▲ 0.50% · 4.625%
HK$45,510
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,800/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,114
−HK$1,222/mo
Today · 4.125%
HK$47,336
baseline
▲ 0.50% · 4.625%
HK$49,831
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,672/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,949
−HK$1,531/mo
Today · 4.125%
HK$51,480
baseline
▲ 0.50% · 4.625%
HK$54,612
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,960/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,891
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,336
−HK$1,467/mo
Today · 4.125%
HK$56,803
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,606/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,516
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,273
−HK$1,787/mo
Today · 4.125%
HK$60,060
baseline
▲ 0.50% · 4.625%
HK$63,714
+HK$3,654/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,120/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,873
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,559
−HK$1,711/mo
Today · 4.125%
HK$66,270
baseline
▲ 0.50% · 4.625%
HK$69,763
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,540/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,663
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,923
−HK$2,296/mo
Today · 4.125%
HK$77,219
baseline
▲ 0.50% · 4.625%
HK$81,918
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,438/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,837
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,005
−HK$2,199/mo
Today · 4.125%
HK$85,204
baseline
▲ 0.50% · 4.625%
HK$89,695
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,408/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,877 · Scale 2, in force from 26 Feb 2026)