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$40,870
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,141
−HK$1,292/mo
Today · 4.125%
HK$43,433
baseline
▲ 0.50% · 4.625%
HK$46,076
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,866/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,467
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,687
−HK$1,237/mo
Today · 4.125%
HK$47,924
baseline
▲ 0.50% · 4.625%
HK$50,450
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,848/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,569
−HK$1,550/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$55,291
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,561
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,024
−HK$1,485/mo
Today · 4.125%
HK$57,509
baseline
▲ 0.50% · 4.625%
HK$60,540
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,018/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,218
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,998
−HK$1,808/mo
Today · 4.125%
HK$60,806
baseline
▲ 0.50% · 4.625%
HK$64,506
+HK$3,700/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,612/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,654
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,361
−HK$1,732/mo
Today · 4.125%
HK$67,093
baseline
▲ 0.50% · 4.625%
HK$70,630
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,186/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,566
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,854
−HK$2,325/mo
Today · 4.125%
HK$78,179
baseline
▲ 0.50% · 4.625%
HK$82,936
+HK$4,757/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,358/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,841
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,036
−HK$2,227/mo
Today · 4.125%
HK$86,263
baseline
▲ 0.50% · 4.625%
HK$90,810
+HK$4,547/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,526/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,127 · Scale 2, in force from 26 Feb 2026)