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$41,195
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,476
−HK$1,302/mo
Today · 4.125%
HK$43,778
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,556/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,829
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,058
−HK$1,247/mo
Today · 4.125%
HK$48,305
baseline
▲ 0.50% · 4.625%
HK$50,851
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,610/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,434
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,972
−HK$1,562/mo
Today · 4.125%
HK$52,534
baseline
▲ 0.50% · 4.625%
HK$55,730
+HK$3,196/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,068/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,995
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,470
−HK$1,496/mo
Today · 4.125%
HK$57,966
baseline
▲ 0.50% · 4.625%
HK$61,021
+HK$3,055/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,932/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,673
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,467
−HK$1,823/mo
Today · 4.125%
HK$61,290
baseline
▲ 0.50% · 4.625%
HK$65,019
+HK$3,729/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,580/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,161
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,881
−HK$1,746/mo
Today · 4.125%
HK$67,627
baseline
▲ 0.50% · 4.625%
HK$71,192
+HK$3,565/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,254/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,151
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,457
−HK$2,344/mo
Today · 4.125%
HK$78,801
baseline
▲ 0.50% · 4.625%
HK$83,596
+HK$4,795/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,602/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,492
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,705
−HK$2,244/mo
Today · 4.125%
HK$86,949
baseline
▲ 0.50% · 4.625%
HK$91,532
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,898/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,473 · Scale 2, in force from 26 Feb 2026)