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$40,742
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,010
−HK$1,287/mo
Today · 4.125%
HK$43,297
baseline
▲ 0.50% · 4.625%
HK$45,932
+HK$2,635/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,594/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,541
−HK$1,233/mo
Today · 4.125%
HK$47,774
baseline
▲ 0.50% · 4.625%
HK$50,292
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,548/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,891
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,546/mo
Today · 4.125%
HK$51,957
baseline
▲ 0.50% · 4.625%
HK$55,118
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,914/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,390
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,849
−HK$1,480/mo
Today · 4.125%
HK$57,329
baseline
▲ 0.50% · 4.625%
HK$60,351
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,658/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,039
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,803/mo
Today · 4.125%
HK$60,616
baseline
▲ 0.50% · 4.625%
HK$64,304
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,232/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,157
−HK$1,727/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,336
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,617
−HK$2,318/mo
Today · 4.125%
HK$77,935
baseline
▲ 0.50% · 4.625%
HK$82,677
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,870/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,586
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,774
−HK$2,219/mo
Today · 4.125%
HK$85,993
baseline
▲ 0.50% · 4.625%
HK$90,526
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,986/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,027 · Scale 2, in force from 26 Feb 2026)