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$40,720
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,287/mo
Today · 4.125%
HK$43,274
baseline
▲ 0.50% · 4.625%
HK$45,907
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,548/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,301
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,516
−HK$1,232/mo
Today · 4.125%
HK$47,748
baseline
▲ 0.50% · 4.625%
HK$50,265
+HK$2,517/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,496/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,384
−HK$1,544/mo
Today · 4.125%
HK$51,928
baseline
▲ 0.50% · 4.625%
HK$55,088
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,856/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,361
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,819
−HK$1,479/mo
Today · 4.125%
HK$57,298
baseline
▲ 0.50% · 4.625%
HK$60,318
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,596/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,008
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,802/mo
Today · 4.125%
HK$60,583
baseline
▲ 0.50% · 4.625%
HK$64,269
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,166/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,421
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,122
−HK$1,725/mo
Today · 4.125%
HK$66,847
baseline
▲ 0.50% · 4.625%
HK$70,371
+HK$3,524/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,694/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,317/mo
Today · 4.125%
HK$77,893
baseline
▲ 0.50% · 4.625%
HK$82,632
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,786/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,541
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,728
−HK$2,219/mo
Today · 4.125%
HK$85,947
baseline
▲ 0.50% · 4.625%
HK$90,477
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,894/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,664 · Scale 2, in force from 26 Feb 2026)