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$40,922
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,293/mo
Today · 4.125%
HK$43,488
baseline
▲ 0.50% · 4.625%
HK$46,134
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,976/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,525
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,746
−HK$1,239/mo
Today · 4.125%
HK$47,985
baseline
▲ 0.50% · 4.625%
HK$50,514
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,970/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,106
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,634
−HK$1,552/mo
Today · 4.125%
HK$52,186
baseline
▲ 0.50% · 4.625%
HK$55,361
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,372/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,630
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,096
−HK$1,486/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$60,617
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,291
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,073
−HK$1,810/mo
Today · 4.125%
HK$60,883
baseline
▲ 0.50% · 4.625%
HK$64,588
+HK$3,705/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,766/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,735
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,445
−HK$1,734/mo
Today · 4.125%
HK$67,179
baseline
▲ 0.50% · 4.625%
HK$70,720
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,358/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,660
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,951
−HK$2,328/mo
Today · 4.125%
HK$78,279
baseline
▲ 0.50% · 4.625%
HK$83,042
+HK$4,763/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,558/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,946
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,143
−HK$2,230/mo
Today · 4.125%
HK$86,373
baseline
▲ 0.50% · 4.625%
HK$90,926
+HK$4,553/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,746/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,984 · Scale 2, in force from 26 Feb 2026)