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$40,144
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,269/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,596/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,660
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,215/mo
Today · 4.125%
HK$47,073
baseline
▲ 0.50% · 4.625%
HK$49,554
+HK$2,481/mo
Deposit HK$8.80M · loan HK$8.80M · min. income ≈ HK$94,146/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,173
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,522/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$54,309
+HK$3,115/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,592
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,030
−HK$1,458/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,465
+HK$2,977/mo
Deposit HK$7.04M · loan HK$10.56M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,202
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,950
−HK$1,777/mo
Today · 4.125%
HK$59,727
baseline
▲ 0.50% · 4.625%
HK$63,361
+HK$3,634/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$119,454/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$64,201
−HK$1,701/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,376
+HK$3,474/mo
Deposit HK$5.28M · loan HK$12.32M · min. income ≈ HK$131,804/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,508
−HK$2,283/mo
Today · 4.125%
HK$76,791
baseline
▲ 0.50% · 4.625%
HK$81,464
+HK$4,673/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$153,582/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,388
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,544
−HK$2,188/mo
Today · 4.125%
HK$84,732
baseline
▲ 0.50% · 4.625%
HK$89,198
+HK$4,466/mo
Deposit HK$1.76M · loan HK$15.84M · min. income ≈ HK$169,464/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,196 · Scale 2, in force from 26 Feb 2026)