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$40,289
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,273/mo
Today · 4.125%
HK$42,815
baseline
▲ 0.50% · 4.625%
HK$45,420
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,630/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,821
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,023
−HK$1,219/mo
Today · 4.125%
HK$47,242
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,484/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,346
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,850
−HK$1,528/mo
Today · 4.125%
HK$51,378
baseline
▲ 0.50% · 4.625%
HK$54,504
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,756/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,785
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,227
−HK$1,463/mo
Today · 4.125%
HK$56,690
baseline
▲ 0.50% · 4.625%
HK$59,679
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,380/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,404
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,158
−HK$1,783/mo
Today · 4.125%
HK$59,941
baseline
▲ 0.50% · 4.625%
HK$63,588
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,882/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,749
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,432
−HK$1,707/mo
Today · 4.125%
HK$66,139
baseline
▲ 0.50% · 4.625%
HK$69,625
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,278/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,519
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,775
−HK$2,292/mo
Today · 4.125%
HK$77,067
baseline
▲ 0.50% · 4.625%
HK$81,756
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,134/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,677
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,841
−HK$2,195/mo
Today · 4.125%
HK$85,036
baseline
▲ 0.50% · 4.625%
HK$89,518
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,072/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,566 · Scale 2, in force from 26 Feb 2026)