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$40,663
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,928
−HK$1,285/mo
Today · 4.125%
HK$43,213
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,629/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,426/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,237
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,450
−HK$1,231/mo
Today · 4.125%
HK$47,681
baseline
▲ 0.50% · 4.625%
HK$50,195
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,362/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,796
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,313
−HK$1,543/mo
Today · 4.125%
HK$51,856
baseline
▲ 0.50% · 4.625%
HK$55,011
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,712/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,285
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,740
−HK$1,477/mo
Today · 4.125%
HK$57,217
baseline
▲ 0.50% · 4.625%
HK$60,233
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,434/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,928
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,699
−HK$1,799/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,332
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,031
−HK$1,723/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$3,518/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,193
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,470
−HK$2,313/mo
Today · 4.125%
HK$77,783
baseline
▲ 0.50% · 4.625%
HK$82,516
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,566/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,427
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,611
−HK$2,215/mo
Today · 4.125%
HK$85,826
baseline
▲ 0.50% · 4.625%
HK$90,350
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,652/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,724 · Scale 2, in force from 26 Feb 2026)