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$40,085
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,332
−HK$1,266/mo
Today · 4.125%
HK$42,598
baseline
▲ 0.50% · 4.625%
HK$45,190
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,196/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,594
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,790
−HK$1,213/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,481
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,102
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,598
−HK$1,520/mo
Today · 4.125%
HK$51,118
baseline
▲ 0.50% · 4.625%
HK$54,228
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,236/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,513
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,948
−HK$1,456/mo
Today · 4.125%
HK$56,404
baseline
▲ 0.50% · 4.625%
HK$59,377
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,808/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,119
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,864
−HK$1,774/mo
Today · 4.125%
HK$59,638
baseline
▲ 0.50% · 4.625%
HK$63,266
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$119,276/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,431
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,106
−HK$1,698/mo
Today · 4.125%
HK$65,804
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$131,608/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,152
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,397
−HK$2,280/mo
Today · 4.125%
HK$76,677
baseline
▲ 0.50% · 4.625%
HK$81,343
+HK$4,666/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,354/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,269
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,422
−HK$2,184/mo
Today · 4.125%
HK$84,606
baseline
▲ 0.50% · 4.625%
HK$89,065
+HK$4,459/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,212/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,214 · Scale 2, in force from 26 Feb 2026)