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$40,816
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,086
−HK$1,290/mo
Today · 4.125%
HK$43,376
baseline
▲ 0.50% · 4.625%
HK$46,015
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,752/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,407
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,625
−HK$1,236/mo
Today · 4.125%
HK$47,861
baseline
▲ 0.50% · 4.625%
HK$50,384
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,722/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,979
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,548/mo
Today · 4.125%
HK$52,051
baseline
▲ 0.50% · 4.625%
HK$55,218
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,102/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,489
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,950
−HK$1,483/mo
Today · 4.125%
HK$57,433
baseline
▲ 0.50% · 4.625%
HK$60,460
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,866/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,143
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,920
−HK$1,806/mo
Today · 4.125%
HK$60,726
baseline
▲ 0.50% · 4.625%
HK$64,421
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,452/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,570
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,275
−HK$1,730/mo
Today · 4.125%
HK$67,005
baseline
▲ 0.50% · 4.625%
HK$70,537
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,010/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,469
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,754
−HK$2,322/mo
Today · 4.125%
HK$78,076
baseline
▲ 0.50% · 4.625%
HK$82,827
+HK$4,751/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,152/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,733
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,926
−HK$2,223/mo
Today · 4.125%
HK$86,149
baseline
▲ 0.50% · 4.625%
HK$90,690
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,298/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,242 · Scale 2, in force from 26 Feb 2026)