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$40,687
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,286/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,264
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,478
−HK$1,232/mo
Today · 4.125%
HK$47,710
baseline
▲ 0.50% · 4.625%
HK$50,225
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,420/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,825
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,344
−HK$1,543/mo
Today · 4.125%
HK$51,887
baseline
▲ 0.50% · 4.625%
HK$55,044
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,774/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,317
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,774
−HK$1,478/mo
Today · 4.125%
HK$57,252
baseline
▲ 0.50% · 4.625%
HK$60,270
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,504/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,734
−HK$1,800/mo
Today · 4.125%
HK$60,534
baseline
▲ 0.50% · 4.625%
HK$64,218
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,068/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,370
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,070
−HK$1,724/mo
Today · 4.125%
HK$66,794
baseline
▲ 0.50% · 4.625%
HK$70,314
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,588/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,515
−HK$2,315/mo
Today · 4.125%
HK$77,830
baseline
▲ 0.50% · 4.625%
HK$82,566
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,660/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,476
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,661
−HK$2,217/mo
Today · 4.125%
HK$85,878
baseline
▲ 0.50% · 4.625%
HK$90,404
+HK$4,526/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,756/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,125 · Scale 2, in force from 26 Feb 2026)