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$41,098
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,377
−HK$1,299/mo
Today · 4.125%
HK$43,676
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,352/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,722
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,948
−HK$1,244/mo
Today · 4.125%
HK$48,192
baseline
▲ 0.50% · 4.625%
HK$50,732
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,384/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,318
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,852
−HK$1,559/mo
Today · 4.125%
HK$52,411
baseline
▲ 0.50% · 4.625%
HK$55,600
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,822/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,866
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,337
−HK$1,493/mo
Today · 4.125%
HK$57,830
baseline
▲ 0.50% · 4.625%
HK$60,878
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,660/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,538
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,327
−HK$1,819/mo
Today · 4.125%
HK$61,146
baseline
▲ 0.50% · 4.625%
HK$64,866
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,292/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,010
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,727
−HK$1,741/mo
Today · 4.125%
HK$67,468
baseline
▲ 0.50% · 4.625%
HK$71,025
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,936/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,977
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,278
−HK$2,338/mo
Today · 4.125%
HK$78,616
baseline
▲ 0.50% · 4.625%
HK$83,400
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,232/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,299
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,506
−HK$2,239/mo
Today · 4.125%
HK$86,745
baseline
▲ 0.50% · 4.625%
HK$91,318
+HK$4,573/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,490/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,884 · Scale 2, in force from 26 Feb 2026)