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$40,672
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,285/mo
Today · 4.125%
HK$43,222
baseline
▲ 0.50% · 4.625%
HK$45,852
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,444/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,247
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,460
−HK$1,232/mo
Today · 4.125%
HK$47,692
baseline
▲ 0.50% · 4.625%
HK$50,205
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,384/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,806
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,324
−HK$1,543/mo
Today · 4.125%
HK$51,867
baseline
▲ 0.50% · 4.625%
HK$55,023
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,734/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,296
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,753
−HK$1,477/mo
Today · 4.125%
HK$57,230
baseline
▲ 0.50% · 4.625%
HK$60,247
+HK$3,017/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,460/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,712
−HK$1,799/mo
Today · 4.125%
HK$60,511
baseline
▲ 0.50% · 4.625%
HK$64,193
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,022/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,346
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,045
−HK$1,723/mo
Today · 4.125%
HK$66,768
baseline
▲ 0.50% · 4.625%
HK$70,288
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,536/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,209
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,487
−HK$2,313/mo
Today · 4.125%
HK$77,800
baseline
▲ 0.50% · 4.625%
HK$82,534
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,600/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,445
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,629
−HK$2,216/mo
Today · 4.125%
HK$85,845
baseline
▲ 0.50% · 4.625%
HK$90,370
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,690/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,870 · Scale 2, in force from 26 Feb 2026)