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$40,604
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,867
−HK$1,283/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,776
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,171
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,383
−HK$1,229/mo
Today · 4.125%
HK$47,612
baseline
▲ 0.50% · 4.625%
HK$50,122
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,224/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,725
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,240
−HK$1,540/mo
Today · 4.125%
HK$51,780
baseline
▲ 0.50% · 4.625%
HK$54,931
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,560/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,206
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,659
−HK$1,475/mo
Today · 4.125%
HK$57,134
baseline
▲ 0.50% · 4.625%
HK$60,146
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,268/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,845
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,614
−HK$1,796/mo
Today · 4.125%
HK$60,410
baseline
▲ 0.50% · 4.625%
HK$64,086
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,820/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,240
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,936
−HK$1,721/mo
Today · 4.125%
HK$66,657
baseline
▲ 0.50% · 4.625%
HK$70,170
+HK$3,513/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,314/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,087
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,360
−HK$2,310/mo
Today · 4.125%
HK$77,670
baseline
▲ 0.50% · 4.625%
HK$82,396
+HK$4,726/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,340/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,309
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,489
−HK$2,212/mo
Today · 4.125%
HK$85,701
baseline
▲ 0.50% · 4.625%
HK$90,219
+HK$4,518/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,402/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,752 · Scale 2, in force from 26 Feb 2026)