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$41,211
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,493
−HK$1,302/mo
Today · 4.125%
HK$43,795
baseline
▲ 0.50% · 4.625%
HK$46,460
+HK$2,665/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,590/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,847
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,076
−HK$1,248/mo
Today · 4.125%
HK$48,324
baseline
▲ 0.50% · 4.625%
HK$50,871
+HK$2,547/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,648/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,453
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,991
−HK$1,563/mo
Today · 4.125%
HK$52,554
baseline
▲ 0.50% · 4.625%
HK$55,752
+HK$3,198/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,108/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,016
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,492
−HK$1,496/mo
Today · 4.125%
HK$57,988
baseline
▲ 0.50% · 4.625%
HK$61,045
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,976/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,695
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,490
−HK$1,823/mo
Today · 4.125%
HK$61,313
baseline
▲ 0.50% · 4.625%
HK$65,044
+HK$3,731/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,626/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,185
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,907
−HK$1,746/mo
Today · 4.125%
HK$67,653
baseline
▲ 0.50% · 4.625%
HK$71,219
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,306/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,180
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,487
−HK$2,344/mo
Today · 4.125%
HK$78,831
baseline
▲ 0.50% · 4.625%
HK$83,628
+HK$4,797/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,662/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,524
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,737
−HK$2,246/mo
Today · 4.125%
HK$86,983
baseline
▲ 0.50% · 4.625%
HK$91,568
+HK$4,585/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$173,966/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,736 · Scale 2, in force from 26 Feb 2026)