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$40,018
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,263
−HK$1,265/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$45,115
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,520
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,714
−HK$1,211/mo
Today · 4.125%
HK$46,925
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,474/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,850/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,022
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,516
−HK$1,517/mo
Today · 4.125%
HK$51,033
baseline
▲ 0.50% · 4.625%
HK$54,139
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,066/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,424
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,857
−HK$1,453/mo
Today · 4.125%
HK$56,310
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,620/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,026
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,768
−HK$1,771/mo
Today · 4.125%
HK$59,539
baseline
▲ 0.50% · 4.625%
HK$63,162
+HK$3,623/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,078/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,328
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,999
−HK$1,696/mo
Today · 4.125%
HK$65,695
baseline
▲ 0.50% · 4.625%
HK$69,158
+HK$3,463/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,390/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,033
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,273
−HK$2,277/mo
Today · 4.125%
HK$76,550
baseline
▲ 0.50% · 4.625%
HK$81,208
+HK$4,658/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,100/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,136
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,285
−HK$2,180/mo
Today · 4.125%
HK$84,465
baseline
▲ 0.50% · 4.625%
HK$88,918
+HK$4,453/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,930/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,121 · Scale 2, in force from 26 Feb 2026)