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$40,209
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,460
−HK$1,271/mo
Today · 4.125%
HK$42,731
baseline
▲ 0.50% · 4.625%
HK$45,331
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,462/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,732
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,932
−HK$1,217/mo
Today · 4.125%
HK$47,149
baseline
▲ 0.50% · 4.625%
HK$49,635
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,298/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,251
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,752
−HK$1,525/mo
Today · 4.125%
HK$51,277
baseline
▲ 0.50% · 4.625%
HK$54,397
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,554/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,679
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,119
−HK$1,460/mo
Today · 4.125%
HK$56,579
baseline
▲ 0.50% · 4.625%
HK$59,561
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,158/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,293
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,044
−HK$1,779/mo
Today · 4.125%
HK$59,823
baseline
▲ 0.50% · 4.625%
HK$63,463
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,646/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,625
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,305
−HK$1,704/mo
Today · 4.125%
HK$66,009
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,018/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,377
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,628
−HK$2,287/mo
Today · 4.125%
HK$76,915
baseline
▲ 0.50% · 4.625%
HK$81,596
+HK$4,681/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,830/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,518
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,678
−HK$2,191/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$89,342
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,738/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,264 · Scale 2, in force from 26 Feb 2026)