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$40,254
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,273/mo
Today · 4.125%
HK$42,779
baseline
▲ 0.50% · 4.625%
HK$45,382
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,558/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,783
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,984
−HK$1,218/mo
Today · 4.125%
HK$47,202
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,404/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,305
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,808
−HK$1,526/mo
Today · 4.125%
HK$51,334
baseline
▲ 0.50% · 4.625%
HK$54,458
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,668/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,739
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,180
−HK$1,462/mo
Today · 4.125%
HK$56,642
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,284/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,356
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,109
−HK$1,781/mo
Today · 4.125%
HK$59,890
baseline
▲ 0.50% · 4.625%
HK$63,534
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,780/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,696
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,377
−HK$1,706/mo
Today · 4.125%
HK$66,083
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,166/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,458
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,712
−HK$2,290/mo
Today · 4.125%
HK$77,002
baseline
▲ 0.50% · 4.625%
HK$81,687
+HK$4,685/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,004/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,609
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,770
−HK$2,194/mo
Today · 4.125%
HK$84,964
baseline
▲ 0.50% · 4.625%
HK$89,442
+HK$4,478/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,928/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,004 · Scale 2, in force from 26 Feb 2026)