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$40,878
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,150
−HK$1,292/mo
Today · 4.125%
HK$43,442
baseline
▲ 0.50% · 4.625%
HK$46,085
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,884/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,477
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,696
−HK$1,238/mo
Today · 4.125%
HK$47,934
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,868/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,054
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,580
−HK$1,550/mo
Today · 4.125%
HK$52,130
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,260/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,572
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,484/mo
Today · 4.125%
HK$57,520
baseline
▲ 0.50% · 4.625%
HK$60,552
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,040/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,230
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,010
−HK$1,808/mo
Today · 4.125%
HK$60,818
baseline
▲ 0.50% · 4.625%
HK$64,519
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,636/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,667
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,375
−HK$1,732/mo
Today · 4.125%
HK$67,107
baseline
▲ 0.50% · 4.625%
HK$70,644
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,214/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,581
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,870
−HK$2,325/mo
Today · 4.125%
HK$78,195
baseline
▲ 0.50% · 4.625%
HK$82,953
+HK$4,758/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,390/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,858
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,053
−HK$2,228/mo
Today · 4.125%
HK$86,281
baseline
▲ 0.50% · 4.625%
HK$90,829
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,562/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,265 · Scale 2, in force from 26 Feb 2026)