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$40,779
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,048
−HK$1,289/mo
Today · 4.125%
HK$43,337
baseline
▲ 0.50% · 4.625%
HK$45,974
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,674/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,367
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,583
−HK$1,235/mo
Today · 4.125%
HK$47,818
baseline
▲ 0.50% · 4.625%
HK$50,338
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,636/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,935
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,457
−HK$1,547/mo
Today · 4.125%
HK$52,004
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,008/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,440
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,900
−HK$1,481/mo
Today · 4.125%
HK$57,381
baseline
▲ 0.50% · 4.625%
HK$60,406
+HK$3,025/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,762/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,091
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,804/mo
Today · 4.125%
HK$60,671
baseline
▲ 0.50% · 4.625%
HK$64,363
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,342/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,513
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,217
−HK$1,728/mo
Today · 4.125%
HK$66,945
baseline
▲ 0.50% · 4.625%
HK$70,473
+HK$3,528/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,890/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,403
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,686
−HK$2,320/mo
Today · 4.125%
HK$78,006
baseline
▲ 0.50% · 4.625%
HK$82,752
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,012/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,660
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,850
−HK$2,222/mo
Today · 4.125%
HK$86,072
baseline
▲ 0.50% · 4.625%
HK$90,609
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,144/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,638 · Scale 2, in force from 26 Feb 2026)