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$40,577
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,283/mo
Today · 4.125%
HK$43,122
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,244/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,142
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,352
−HK$1,229/mo
Today · 4.125%
HK$47,581
baseline
▲ 0.50% · 4.625%
HK$50,089
+HK$2,508/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,162/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,693
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,207
−HK$1,539/mo
Today · 4.125%
HK$51,746
baseline
▲ 0.50% · 4.625%
HK$54,895
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,492/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,170
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,623
−HK$1,474/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,808
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,796/mo
Today · 4.125%
HK$60,371
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,742/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,199
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,893
−HK$1,720/mo
Today · 4.125%
HK$66,613
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,226/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,039
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,311
−HK$2,308/mo
Today · 4.125%
HK$77,619
baseline
▲ 0.50% · 4.625%
HK$82,342
+HK$4,723/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,238/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,255
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,434
−HK$2,211/mo
Today · 4.125%
HK$85,645
baseline
▲ 0.50% · 4.625%
HK$90,160
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,290/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,315 · Scale 2, in force from 26 Feb 2026)