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$40,029
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,274
−HK$1,265/mo
Today · 4.125%
HK$42,539
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,078/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,532
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,726
−HK$1,212/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,412
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,035
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,529
−HK$1,518/mo
Today · 4.125%
HK$51,047
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,094/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,438
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,871
−HK$1,454/mo
Today · 4.125%
HK$56,325
baseline
▲ 0.50% · 4.625%
HK$59,294
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,650/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,040
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,783
−HK$1,771/mo
Today · 4.125%
HK$59,554
baseline
▲ 0.50% · 4.625%
HK$63,178
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,108/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,344
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,016
−HK$1,697/mo
Today · 4.125%
HK$65,713
baseline
▲ 0.50% · 4.625%
HK$69,176
+HK$3,463/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,426/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,052
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,293
−HK$2,277/mo
Today · 4.125%
HK$76,570
baseline
▲ 0.50% · 4.625%
HK$81,229
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,140/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,157
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,307
−HK$2,181/mo
Today · 4.125%
HK$84,488
baseline
▲ 0.50% · 4.625%
HK$88,941
+HK$4,453/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,976/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,294 · Scale 2, in force from 26 Feb 2026)