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$40,349
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,604
−HK$1,276/mo
Today · 4.125%
HK$42,880
baseline
▲ 0.50% · 4.625%
HK$45,489
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,760/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,888
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,221/mo
Today · 4.125%
HK$47,313
baseline
▲ 0.50% · 4.625%
HK$49,807
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,626/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,419
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,925
−HK$1,531/mo
Today · 4.125%
HK$51,456
baseline
▲ 0.50% · 4.625%
HK$54,587
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,912/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,866
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,311
−HK$1,465/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$59,769
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,552/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,489
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,246
−HK$1,786/mo
Today · 4.125%
HK$60,032
baseline
▲ 0.50% · 4.625%
HK$63,684
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,064/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,844
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,529
−HK$1,710/mo
Today · 4.125%
HK$66,239
baseline
▲ 0.50% · 4.625%
HK$69,730
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,478/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,629
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,888
−HK$2,295/mo
Today · 4.125%
HK$77,183
baseline
▲ 0.50% · 4.625%
HK$81,880
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,366/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,799
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,966
−HK$2,198/mo
Today · 4.125%
HK$85,164
baseline
▲ 0.50% · 4.625%
HK$89,653
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,328/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,567 · Scale 2, in force from 26 Feb 2026)