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$40,070
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,316
−HK$1,267/mo
Today · 4.125%
HK$42,583
baseline
▲ 0.50% · 4.625%
HK$45,174
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,166/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,578
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,773
−HK$1,213/mo
Today · 4.125%
HK$46,986
baseline
▲ 0.50% · 4.625%
HK$49,463
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,972/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,084
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,580
−HK$1,519/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$54,209
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,493
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,928
−HK$1,455/mo
Today · 4.125%
HK$56,383
baseline
▲ 0.50% · 4.625%
HK$59,355
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,766/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,098
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,773/mo
Today · 4.125%
HK$59,616
baseline
▲ 0.50% · 4.625%
HK$63,243
+HK$3,627/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,232/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,409
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,082
−HK$1,698/mo
Today · 4.125%
HK$65,780
baseline
▲ 0.50% · 4.625%
HK$69,248
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,560/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,126
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,370
−HK$2,279/mo
Today · 4.125%
HK$76,649
baseline
▲ 0.50% · 4.625%
HK$81,313
+HK$4,664/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,298/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,240
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,392
−HK$2,183/mo
Today · 4.125%
HK$84,575
baseline
▲ 0.50% · 4.625%
HK$89,033
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,150/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,973 · Scale 2, in force from 26 Feb 2026)