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$40,042
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,288
−HK$1,265/mo
Today · 4.125%
HK$42,553
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,106/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,546
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,741
−HK$1,212/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,428
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,051
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,519/mo
Today · 4.125%
HK$51,064
baseline
▲ 0.50% · 4.625%
HK$54,171
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,128/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,456
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,889
−HK$1,455/mo
Today · 4.125%
HK$56,344
baseline
▲ 0.50% · 4.625%
HK$59,314
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,688/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,059
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,803
−HK$1,771/mo
Today · 4.125%
HK$59,574
baseline
▲ 0.50% · 4.625%
HK$63,199
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,148/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,365
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,038
−HK$1,696/mo
Today · 4.125%
HK$65,734
baseline
▲ 0.50% · 4.625%
HK$69,199
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,468/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,076
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,318
−HK$2,278/mo
Today · 4.125%
HK$76,596
baseline
▲ 0.50% · 4.625%
HK$81,256
+HK$4,660/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,192/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,184
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,334
−HK$2,182/mo
Today · 4.125%
HK$84,516
baseline
▲ 0.50% · 4.625%
HK$88,971
+HK$4,455/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,032/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,513 · Scale 2, in force from 26 Feb 2026)