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$40,219
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,271/mo
Today · 4.125%
HK$42,741
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,482/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,743
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,943
−HK$1,217/mo
Today · 4.125%
HK$47,160
baseline
▲ 0.50% · 4.625%
HK$49,646
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,320/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,526/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$54,410
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,691
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,461/mo
Today · 4.125%
HK$56,592
baseline
▲ 0.50% · 4.625%
HK$59,575
+HK$2,983/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$113,184/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,306
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,780/mo
Today · 4.125%
HK$59,837
baseline
▲ 0.50% · 4.625%
HK$63,478
+HK$3,641/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,674/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,640
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,320
−HK$1,704/mo
Today · 4.125%
HK$66,024
baseline
▲ 0.50% · 4.625%
HK$69,504
+HK$3,480/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,048/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,393
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,645
−HK$2,288/mo
Today · 4.125%
HK$76,933
baseline
▲ 0.50% · 4.625%
HK$81,614
+HK$4,681/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,866/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,537
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,697
−HK$2,191/mo
Today · 4.125%
HK$84,888
baseline
▲ 0.50% · 4.625%
HK$89,363
+HK$4,475/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,776/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,415 · Scale 2, in force from 26 Feb 2026)