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$40,678
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,943
−HK$1,285/mo
Today · 4.125%
HK$43,228
baseline
▲ 0.50% · 4.625%
HK$45,859
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,456/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,253
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,467
−HK$1,231/mo
Today · 4.125%
HK$47,698
baseline
▲ 0.50% · 4.625%
HK$50,213
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,396/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,813
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,331
−HK$1,543/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$55,031
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.70M · min. income ≈ HK$103,748/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,304
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,760
−HK$1,478/mo
Today · 4.125%
HK$57,238
baseline
▲ 0.50% · 4.625%
HK$60,255
+HK$3,017/mo
Deposit HK$7.14M · loan HK$10.70M · min. income ≈ HK$114,476/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,949
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,720
−HK$1,800/mo
Today · 4.125%
HK$60,520
baseline
▲ 0.50% · 4.625%
HK$64,202
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,040/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,355
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,054
−HK$1,724/mo
Today · 4.125%
HK$66,778
baseline
▲ 0.50% · 4.625%
HK$70,298
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,556/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,220
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,497
−HK$2,314/mo
Today · 4.125%
HK$77,811
baseline
▲ 0.50% · 4.625%
HK$82,546
+HK$4,735/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,622/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,456
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,641
−HK$2,216/mo
Today · 4.125%
HK$85,857
baseline
▲ 0.50% · 4.625%
HK$90,383
+HK$4,526/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,714/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,964 · Scale 2, in force from 26 Feb 2026)