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$40,544
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,805
−HK$1,281/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,708
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,105
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,314
−HK$1,228/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,538/mo
Today · 4.125%
HK$51,704
baseline
▲ 0.50% · 4.625%
HK$54,850
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,408/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,126
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,577
−HK$1,473/mo
Today · 4.125%
HK$57,050
baseline
▲ 0.50% · 4.625%
HK$60,057
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,100/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,762
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,794/mo
Today · 4.125%
HK$60,321
baseline
▲ 0.50% · 4.625%
HK$63,991
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,642/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,147
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,840
−HK$1,718/mo
Today · 4.125%
HK$66,558
baseline
▲ 0.50% · 4.625%
HK$70,067
+HK$3,509/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,116/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,979
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,249
−HK$2,307/mo
Today · 4.125%
HK$77,556
baseline
▲ 0.50% · 4.625%
HK$82,275
+HK$4,719/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,112/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,189
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,366
−HK$2,209/mo
Today · 4.125%
HK$85,575
baseline
▲ 0.50% · 4.625%
HK$90,086
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,150/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,768 · Scale 2, in force from 26 Feb 2026)