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$40,014
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,265/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$45,111
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,516
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,212/mo
Today · 4.125%
HK$46,921
baseline
▲ 0.50% · 4.625%
HK$49,394
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,842/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,017
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,511
−HK$1,517/mo
Today · 4.125%
HK$51,028
baseline
▲ 0.50% · 4.625%
HK$54,133
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,056/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,419
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,454/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,273
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,020
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,763
−HK$1,770/mo
Today · 4.125%
HK$59,533
baseline
▲ 0.50% · 4.625%
HK$63,155
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,066/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,322
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,993
−HK$1,696/mo
Today · 4.125%
HK$65,689
baseline
▲ 0.50% · 4.625%
HK$69,151
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,378/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,026
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,266
−HK$2,276/mo
Today · 4.125%
HK$76,542
baseline
▲ 0.50% · 4.625%
HK$81,200
+HK$4,658/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,084/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,128
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,277
−HK$2,180/mo
Today · 4.125%
HK$84,457
baseline
▲ 0.50% · 4.625%
HK$88,909
+HK$4,452/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,914/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,057 · Scale 2, in force from 26 Feb 2026)