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$40,864
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,135
−HK$1,291/mo
Today · 4.125%
HK$43,426
baseline
▲ 0.50% · 4.625%
HK$46,069
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,852/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,461
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,680
−HK$1,237/mo
Today · 4.125%
HK$47,917
baseline
▲ 0.50% · 4.625%
HK$50,442
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,834/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,037
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,562
−HK$1,550/mo
Today · 4.125%
HK$52,112
baseline
▲ 0.50% · 4.625%
HK$55,283
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,224/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,553
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,016
−HK$1,484/mo
Today · 4.125%
HK$57,500
baseline
▲ 0.50% · 4.625%
HK$60,531
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,000/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,209
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,989
−HK$1,808/mo
Today · 4.125%
HK$60,797
baseline
▲ 0.50% · 4.625%
HK$64,496
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,594/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,645
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,352
−HK$1,731/mo
Today · 4.125%
HK$67,083
baseline
▲ 0.50% · 4.625%
HK$70,619
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,166/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,555
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,843
−HK$2,324/mo
Today · 4.125%
HK$78,167
baseline
▲ 0.50% · 4.625%
HK$82,924
+HK$4,757/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,334/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,024
−HK$2,226/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$90,796
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,028 · Scale 2, in force from 26 Feb 2026)