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$40,463
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,278/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,015
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,225/mo
Today · 4.125%
HK$47,447
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,894/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,556
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,066
−HK$1,535/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,018
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,466
−HK$1,470/mo
Today · 4.125%
HK$56,936
baseline
▲ 0.50% · 4.625%
HK$59,937
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,872/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,648
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,410
−HK$1,791/mo
Today · 4.125%
HK$60,201
baseline
▲ 0.50% · 4.625%
HK$63,864
+HK$3,663/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,402/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,021
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,711
−HK$1,714/mo
Today · 4.125%
HK$66,425
baseline
▲ 0.50% · 4.625%
HK$69,927
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,850/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,833
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,099
−HK$2,302/mo
Today · 4.125%
HK$77,401
baseline
▲ 0.50% · 4.625%
HK$82,110
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,802/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,026
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,200
−HK$2,204/mo
Today · 4.125%
HK$85,404
baseline
▲ 0.50% · 4.625%
HK$89,906
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,808/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,436 · Scale 2, in force from 26 Feb 2026)