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$40,425
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,682
−HK$1,278/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,574
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,972
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,224/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$49,900
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,804/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,510
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,019
−HK$1,533/mo
Today · 4.125%
HK$51,552
baseline
▲ 0.50% · 4.625%
HK$54,688
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,104/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,966
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,414
−HK$1,468/mo
Today · 4.125%
HK$56,882
baseline
▲ 0.50% · 4.625%
HK$59,880
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,764/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,595
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,355
−HK$1,789/mo
Today · 4.125%
HK$60,144
baseline
▲ 0.50% · 4.625%
HK$63,803
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,288/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,961
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,649
−HK$1,713/mo
Today · 4.125%
HK$66,362
baseline
▲ 0.50% · 4.625%
HK$69,861
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,724/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,764
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$2,299/mo
Today · 4.125%
HK$77,327
baseline
▲ 0.50% · 4.625%
HK$82,033
+HK$4,706/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,654/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,950
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,121
−HK$2,202/mo
Today · 4.125%
HK$85,323
baseline
▲ 0.50% · 4.625%
HK$89,821
+HK$4,498/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,646/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,806 · Scale 2, in force from 26 Feb 2026)