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$40,841
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,290/mo
Today · 4.125%
HK$43,402
baseline
▲ 0.50% · 4.625%
HK$46,043
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,804/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,435
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,654
−HK$1,236/mo
Today · 4.125%
HK$47,890
baseline
▲ 0.50% · 4.625%
HK$50,414
+HK$2,524/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,780/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,534
−HK$1,549/mo
Today · 4.125%
HK$52,083
baseline
▲ 0.50% · 4.625%
HK$55,252
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$104,166/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,522
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,985
−HK$1,483/mo
Today · 4.125%
HK$57,468
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$114,936/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,178
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,956
−HK$1,807/mo
Today · 4.125%
HK$60,763
baseline
▲ 0.50% · 4.625%
HK$64,460
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,526/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,610
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,316
−HK$1,730/mo
Today · 4.125%
HK$67,046
baseline
▲ 0.50% · 4.625%
HK$70,580
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,092/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,514
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,801
−HK$2,323/mo
Today · 4.125%
HK$78,124
baseline
▲ 0.50% · 4.625%
HK$82,878
+HK$4,754/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,248/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,784
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,977
−HK$2,225/mo
Today · 4.125%
HK$86,202
baseline
▲ 0.50% · 4.625%
HK$90,746
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,404/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,655 · Scale 2, in force from 26 Feb 2026)