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$40,531
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,792
−HK$1,281/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,694
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,090
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,300
−HK$1,226/mo
Today · 4.125%
HK$47,526
baseline
▲ 0.50% · 4.625%
HK$50,032
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,052/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,637
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,150
−HK$1,537/mo
Today · 4.125%
HK$51,687
baseline
▲ 0.50% · 4.625%
HK$54,832
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,374/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,108
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,560
−HK$1,472/mo
Today · 4.125%
HK$57,032
baseline
▲ 0.50% · 4.625%
HK$60,038
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,064/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,743
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,508
−HK$1,794/mo
Today · 4.125%
HK$60,302
baseline
▲ 0.50% · 4.625%
HK$63,971
+HK$3,669/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,604/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,126
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,819
−HK$1,718/mo
Today · 4.125%
HK$66,537
baseline
▲ 0.50% · 4.625%
HK$70,044
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,074/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,956
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,225
−HK$2,306/mo
Today · 4.125%
HK$77,531
baseline
▲ 0.50% · 4.625%
HK$82,248
+HK$4,717/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,062/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,163
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,339
−HK$2,209/mo
Today · 4.125%
HK$85,548
baseline
▲ 0.50% · 4.625%
HK$90,057
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,096/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,554 · Scale 2, in force from 26 Feb 2026)