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$40,276
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,529
−HK$1,273/mo
Today · 4.125%
HK$42,802
baseline
▲ 0.50% · 4.625%
HK$45,406
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,604/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,806
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,219/mo
Today · 4.125%
HK$47,227
baseline
▲ 0.50% · 4.625%
HK$49,717
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,454/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,331
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,834
−HK$1,528/mo
Today · 4.125%
HK$51,362
baseline
▲ 0.50% · 4.625%
HK$54,487
+HK$3,125/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,724/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,768
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,210
−HK$1,463/mo
Today · 4.125%
HK$56,673
baseline
▲ 0.50% · 4.625%
HK$59,660
+HK$2,987/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,346/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,386
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,140
−HK$1,782/mo
Today · 4.125%
HK$59,922
baseline
▲ 0.50% · 4.625%
HK$63,568
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,844/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,729
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,411
−HK$1,707/mo
Today · 4.125%
HK$66,118
baseline
▲ 0.50% · 4.625%
HK$69,603
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,236/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,497
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,752
−HK$2,291/mo
Today · 4.125%
HK$77,043
baseline
▲ 0.50% · 4.625%
HK$81,731
+HK$4,688/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,086/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,652
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,815
−HK$2,194/mo
Today · 4.125%
HK$85,009
baseline
▲ 0.50% · 4.625%
HK$89,490
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,018/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,358 · Scale 2, in force from 26 Feb 2026)