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$40,900
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,172
−HK$1,292/mo
Today · 4.125%
HK$43,464
baseline
▲ 0.50% · 4.625%
HK$46,109
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,928/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,500
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,721
−HK$1,238/mo
Today · 4.125%
HK$47,959
baseline
▲ 0.50% · 4.625%
HK$50,487
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,918/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,080
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,551/mo
Today · 4.125%
HK$52,157
baseline
▲ 0.50% · 4.625%
HK$55,331
+HK$3,174/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,314/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,600
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,065
−HK$1,485/mo
Today · 4.125%
HK$57,550
baseline
▲ 0.50% · 4.625%
HK$60,584
+HK$3,034/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,100/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,259
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,041
−HK$1,809/mo
Today · 4.125%
HK$60,850
baseline
▲ 0.50% · 4.625%
HK$64,553
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,700/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,701
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,409
−HK$1,733/mo
Today · 4.125%
HK$67,142
baseline
▲ 0.50% · 4.625%
HK$70,681
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,284/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,619
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,909
−HK$2,327/mo
Today · 4.125%
HK$78,236
baseline
▲ 0.50% · 4.625%
HK$82,996
+HK$4,760/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,472/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,901
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,097
−HK$2,229/mo
Today · 4.125%
HK$86,326
baseline
▲ 0.50% · 4.625%
HK$90,876
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,652/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,616 · Scale 2, in force from 26 Feb 2026)