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$40,713
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,287/mo
Today · 4.125%
HK$43,266
baseline
▲ 0.50% · 4.625%
HK$45,899
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,532/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,293
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,508
−HK$1,232/mo
Today · 4.125%
HK$47,740
baseline
▲ 0.50% · 4.625%
HK$50,256
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,480/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,375
−HK$1,544/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$55,078
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,351
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,809
−HK$1,479/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,308
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,998
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,771
−HK$1,802/mo
Today · 4.125%
HK$60,573
baseline
▲ 0.50% · 4.625%
HK$64,258
+HK$3,685/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,146/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,410
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,111
−HK$1,725/mo
Today · 4.125%
HK$66,836
baseline
▲ 0.50% · 4.625%
HK$70,359
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,672/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,283
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,563
−HK$2,316/mo
Today · 4.125%
HK$77,879
baseline
▲ 0.50% · 4.625%
HK$82,618
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,758/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,527
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,714
−HK$2,218/mo
Today · 4.125%
HK$85,932
baseline
▲ 0.50% · 4.625%
HK$90,461
+HK$4,529/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,864/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,547 · Scale 2, in force from 26 Feb 2026)