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$41,164
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,445
−HK$1,301/mo
Today · 4.125%
HK$43,746
baseline
▲ 0.50% · 4.625%
HK$46,407
+HK$2,661/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,492/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,795
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,023
−HK$1,246/mo
Today · 4.125%
HK$48,269
baseline
▲ 0.50% · 4.625%
HK$50,813
+HK$2,544/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,538/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,397
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,934
−HK$1,561/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,689
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,954
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,428
−HK$1,495/mo
Today · 4.125%
HK$57,923
baseline
▲ 0.50% · 4.625%
HK$60,976
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,846/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,630
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,423
−HK$1,821/mo
Today · 4.125%
HK$61,244
baseline
▲ 0.50% · 4.625%
HK$64,970
+HK$3,726/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,488/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,113
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,832
−HK$1,744/mo
Today · 4.125%
HK$67,576
baseline
▲ 0.50% · 4.625%
HK$71,139
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,152/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,096
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,400
−HK$2,342/mo
Today · 4.125%
HK$78,742
baseline
▲ 0.50% · 4.625%
HK$83,533
+HK$4,791/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,484/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,641
−HK$2,243/mo
Today · 4.125%
HK$86,884
baseline
▲ 0.50% · 4.625%
HK$91,464
+HK$4,580/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,768/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,967 · Scale 2, in force from 26 Feb 2026)