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$41,012
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,288
−HK$1,296/mo
Today · 4.125%
HK$43,584
baseline
▲ 0.50% · 4.625%
HK$46,236
+HK$2,652/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$87,168/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,625
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,849
−HK$1,241/mo
Today · 4.125%
HK$48,090
baseline
▲ 0.50% · 4.625%
HK$50,625
+HK$2,535/mo
Deposit HK$8.99M · loan HK$8.99M · min. income ≈ HK$96,180/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,214
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,745
−HK$1,555/mo
Today · 4.125%
HK$52,300
baseline
▲ 0.50% · 4.625%
HK$55,483
+HK$3,183/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$104,600/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,750
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,489/mo
Today · 4.125%
HK$57,708
baseline
▲ 0.50% · 4.625%
HK$60,750
+HK$3,042/mo
Deposit HK$7.19M · loan HK$10.79M · min. income ≈ HK$115,416/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,417
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$59,203
−HK$1,814/mo
Today · 4.125%
HK$61,017
baseline
▲ 0.50% · 4.625%
HK$64,730
+HK$3,713/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$122,034/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,875
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$65,588
−HK$1,738/mo
Today · 4.125%
HK$67,326
baseline
▲ 0.50% · 4.625%
HK$70,875
+HK$3,549/mo
Deposit HK$5.40M · loan HK$12.59M · min. income ≈ HK$134,652/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,821
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,118
−HK$2,333/mo
Today · 4.125%
HK$78,451
baseline
▲ 0.50% · 4.625%
HK$83,224
+HK$4,773/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$156,902/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,125
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,328
−HK$2,234/mo
Today · 4.125%
HK$86,562
baseline
▲ 0.50% · 4.625%
HK$91,125
+HK$4,563/mo
Deposit HK$1.80M · loan HK$16.19M · min. income ≈ HK$173,124/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$674,461 · Scale 2, in force from 26 Feb 2026)