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$41,928
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,325/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$47,269
+HK$2,712/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,645
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,896
−HK$1,269/mo
Today · 4.125%
HK$49,165
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,330/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,314
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$51,879
−HK$1,590/mo
Today · 4.125%
HK$53,469
baseline
▲ 0.50% · 4.625%
HK$56,722
+HK$3,253/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,938/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,974
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,475
−HK$1,523/mo
Today · 4.125%
HK$58,998
baseline
▲ 0.50% · 4.625%
HK$62,108
+HK$3,110/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,996/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,699
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,855/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$66,176
+HK$3,796/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,303
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$67,054
−HK$1,777/mo
Today · 4.125%
HK$68,831
baseline
▲ 0.50% · 4.625%
HK$72,459
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,662/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,471
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,818
−HK$2,385/mo
Today · 4.125%
HK$80,203
baseline
▲ 0.50% · 4.625%
HK$85,084
+HK$4,881/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,406/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,960
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,212
−HK$2,285/mo
Today · 4.125%
HK$88,497
baseline
▲ 0.50% · 4.625%
HK$93,161
+HK$4,664/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$176,994/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,531 · Scale 2, in force from 26 Feb 2026)