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$40,299
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,553
−HK$1,274/mo
Today · 4.125%
HK$42,827
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,605/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,654/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,833
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,220/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$49,746
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,359
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,864
−HK$1,528/mo
Today · 4.125%
HK$51,392
baseline
▲ 0.50% · 4.625%
HK$54,519
+HK$3,127/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,784/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,799
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,242
−HK$1,464/mo
Today · 4.125%
HK$56,706
baseline
▲ 0.50% · 4.625%
HK$59,695
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,412/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,419
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,174
−HK$1,783/mo
Today · 4.125%
HK$59,957
baseline
▲ 0.50% · 4.625%
HK$63,605
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,914/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,766
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,708/mo
Today · 4.125%
HK$66,157
baseline
▲ 0.50% · 4.625%
HK$69,644
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,314/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,539
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,795
−HK$2,293/mo
Today · 4.125%
HK$77,088
baseline
▲ 0.50% · 4.625%
HK$81,778
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,176/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,699
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,863
−HK$2,196/mo
Today · 4.125%
HK$85,059
baseline
▲ 0.50% · 4.625%
HK$89,542
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,118/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,745 · Scale 2, in force from 26 Feb 2026)