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$40,735
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,002
−HK$1,288/mo
Today · 4.125%
HK$43,290
baseline
▲ 0.50% · 4.625%
HK$45,924
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,580/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,318
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,533
−HK$1,233/mo
Today · 4.125%
HK$47,766
baseline
▲ 0.50% · 4.625%
HK$50,284
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,532/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,882
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,403
−HK$1,545/mo
Today · 4.125%
HK$51,948
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,896/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,381
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,840
−HK$1,479/mo
Today · 4.125%
HK$57,319
baseline
▲ 0.50% · 4.625%
HK$60,340
+HK$3,021/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,638/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,029
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,803
−HK$1,803/mo
Today · 4.125%
HK$60,606
baseline
▲ 0.50% · 4.625%
HK$64,293
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,212/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,445
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,146
−HK$1,726/mo
Today · 4.125%
HK$66,872
baseline
▲ 0.50% · 4.625%
HK$70,397
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,744/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,323
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,604
−HK$2,317/mo
Today · 4.125%
HK$77,921
baseline
▲ 0.50% · 4.625%
HK$82,663
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,842/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,572
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,759
−HK$2,220/mo
Today · 4.125%
HK$85,979
baseline
▲ 0.50% · 4.625%
HK$90,511
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,958/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,913 · Scale 2, in force from 26 Feb 2026)