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$40,066
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,313
−HK$1,266/mo
Today · 4.125%
HK$42,579
baseline
▲ 0.50% · 4.625%
HK$45,170
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,158/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,573
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,769
−HK$1,213/mo
Today · 4.125%
HK$46,982
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,476/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,964/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,080
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,575
−HK$1,520/mo
Today · 4.125%
HK$51,095
baseline
▲ 0.50% · 4.625%
HK$54,204
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,190/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,488
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,923
−HK$1,455/mo
Today · 4.125%
HK$56,378
baseline
▲ 0.50% · 4.625%
HK$59,350
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,756/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,093
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,838
−HK$1,772/mo
Today · 4.125%
HK$59,610
baseline
▲ 0.50% · 4.625%
HK$63,238
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,220/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,403
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,076
−HK$1,698/mo
Today · 4.125%
HK$65,774
baseline
▲ 0.50% · 4.625%
HK$69,241
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,548/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,119
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,363
−HK$2,279/mo
Today · 4.125%
HK$76,642
baseline
▲ 0.50% · 4.625%
HK$81,305
+HK$4,663/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,284/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,232
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,384
−HK$2,183/mo
Today · 4.125%
HK$84,567
baseline
▲ 0.50% · 4.625%
HK$89,024
+HK$4,457/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,134/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,912 · Scale 2, in force from 26 Feb 2026)