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$41,494
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,785
−HK$1,311/mo
Today · 4.125%
HK$44,096
baseline
▲ 0.50% · 4.625%
HK$46,779
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,192/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,162
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,400
−HK$1,256/mo
Today · 4.125%
HK$48,656
baseline
▲ 0.50% · 4.625%
HK$51,220
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,312/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,793
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,342
−HK$1,573/mo
Today · 4.125%
HK$52,915
baseline
▲ 0.50% · 4.625%
HK$56,135
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,830/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,394
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,880
−HK$1,507/mo
Today · 4.125%
HK$58,387
baseline
▲ 0.50% · 4.625%
HK$61,464
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,774/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,091
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,898
−HK$1,836/mo
Today · 4.125%
HK$61,734
baseline
▲ 0.50% · 4.625%
HK$65,491
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,468/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,626
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,359
−HK$1,759/mo
Today · 4.125%
HK$68,118
baseline
▲ 0.50% · 4.625%
HK$71,708
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,236/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,689
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,012
−HK$2,361/mo
Today · 4.125%
HK$79,373
baseline
▲ 0.50% · 4.625%
HK$84,202
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,746/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,091
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,319
−HK$2,261/mo
Today · 4.125%
HK$87,580
baseline
▲ 0.50% · 4.625%
HK$92,196
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,160/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,389 · Scale 2, in force from 26 Feb 2026)