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$41,223
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,506
−HK$1,303/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,665/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,247/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$50,886
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,468
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$51,007
−HK$1,563/mo
Today · 4.125%
HK$52,570
baseline
▲ 0.50% · 4.625%
HK$55,769
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,140/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,033
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,509
−HK$1,497/mo
Today · 4.125%
HK$58,006
baseline
▲ 0.50% · 4.625%
HK$61,064
+HK$3,058/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,012/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,713
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,508
−HK$1,824/mo
Today · 4.125%
HK$61,332
baseline
▲ 0.50% · 4.625%
HK$65,064
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,664/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,205
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,927
−HK$1,747/mo
Today · 4.125%
HK$67,674
baseline
▲ 0.50% · 4.625%
HK$71,241
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,348/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,202
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,510
−HK$2,345/mo
Today · 4.125%
HK$78,855
baseline
▲ 0.50% · 4.625%
HK$83,654
+HK$4,799/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,710/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,549
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,763
−HK$2,246/mo
Today · 4.125%
HK$87,009
baseline
▲ 0.50% · 4.625%
HK$91,596
+HK$4,587/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,018/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,942 · Scale 2, in force from 26 Feb 2026)