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$40,283
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,536
−HK$1,273/mo
Today · 4.125%
HK$42,809
baseline
▲ 0.50% · 4.625%
HK$45,414
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,618/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,016
−HK$1,219/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,339
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,843
−HK$1,528/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,497
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,777
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,464/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$59,670
+HK$2,987/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,396
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,150
−HK$1,783/mo
Today · 4.125%
HK$59,933
baseline
▲ 0.50% · 4.625%
HK$63,579
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,866/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,423
−HK$1,707/mo
Today · 4.125%
HK$66,130
baseline
▲ 0.50% · 4.625%
HK$69,615
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,260/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,509
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,765
−HK$2,291/mo
Today · 4.125%
HK$77,056
baseline
▲ 0.50% · 4.625%
HK$81,745
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,112/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,666
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,829
−HK$2,195/mo
Today · 4.125%
HK$85,024
baseline
▲ 0.50% · 4.625%
HK$89,506
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,048/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,474 · Scale 2, in force from 26 Feb 2026)