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$40,909
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,181
−HK$1,293/mo
Today · 4.125%
HK$43,474
baseline
▲ 0.50% · 4.625%
HK$46,119
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,948/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,510
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,731
−HK$1,238/mo
Today · 4.125%
HK$47,969
baseline
▲ 0.50% · 4.625%
HK$50,498
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,938/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,090
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,617
−HK$1,552/mo
Today · 4.125%
HK$52,169
baseline
▲ 0.50% · 4.625%
HK$55,343
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,338/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,612
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,077
−HK$1,486/mo
Today · 4.125%
HK$57,563
baseline
▲ 0.50% · 4.625%
HK$60,597
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,126/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,272
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,054
−HK$1,809/mo
Today · 4.125%
HK$60,863
baseline
▲ 0.50% · 4.625%
HK$64,567
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,726/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,715
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,423
−HK$1,734/mo
Today · 4.125%
HK$67,157
baseline
▲ 0.50% · 4.625%
HK$70,697
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,314/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,635
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,926
−HK$2,327/mo
Today · 4.125%
HK$78,253
baseline
▲ 0.50% · 4.625%
HK$83,015
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,506/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,919
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,116
−HK$2,229/mo
Today · 4.125%
HK$86,345
baseline
▲ 0.50% · 4.625%
HK$90,896
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,690/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,764 · Scale 2, in force from 26 Feb 2026)