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$41,091
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,369
−HK$1,299/mo
Today · 4.125%
HK$43,668
baseline
▲ 0.50% · 4.625%
HK$46,325
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,336/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,714
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,940
−HK$1,243/mo
Today · 4.125%
HK$48,183
baseline
▲ 0.50% · 4.625%
HK$50,723
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,366/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,310
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,559/mo
Today · 4.125%
HK$52,402
baseline
▲ 0.50% · 4.625%
HK$55,590
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,804/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,856
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,328
−HK$1,492/mo
Today · 4.125%
HK$57,820
baseline
▲ 0.50% · 4.625%
HK$60,868
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,640/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,528
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,317
−HK$1,818/mo
Today · 4.125%
HK$61,135
baseline
▲ 0.50% · 4.625%
HK$64,855
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,270/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,999
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,716
−HK$1,741/mo
Today · 4.125%
HK$67,457
baseline
▲ 0.50% · 4.625%
HK$71,013
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,914/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,964
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,265
−HK$2,338/mo
Today · 4.125%
HK$78,603
baseline
▲ 0.50% · 4.625%
HK$83,385
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,206/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,285
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,491
−HK$2,239/mo
Today · 4.125%
HK$86,730
baseline
▲ 0.50% · 4.625%
HK$91,302
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,460/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,768 · Scale 2, in force from 26 Feb 2026)