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$41,180
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,461
−HK$1,301/mo
Today · 4.125%
HK$43,762
baseline
▲ 0.50% · 4.625%
HK$46,425
+HK$2,663/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,524/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,812
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,041
−HK$1,246/mo
Today · 4.125%
HK$48,287
baseline
▲ 0.50% · 4.625%
HK$50,833
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,574/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,416
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,953
−HK$1,562/mo
Today · 4.125%
HK$52,515
baseline
▲ 0.50% · 4.625%
HK$55,710
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$105,030/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,975
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,449
−HK$1,496/mo
Today · 4.125%
HK$57,945
baseline
▲ 0.50% · 4.625%
HK$60,999
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$115,890/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,652
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,445
−HK$1,822/mo
Today · 4.125%
HK$61,267
baseline
▲ 0.50% · 4.625%
HK$64,995
+HK$3,728/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,534/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,137
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,857
−HK$1,745/mo
Today · 4.125%
HK$67,602
baseline
▲ 0.50% · 4.625%
HK$71,166
+HK$3,564/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,204/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,124
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,430
−HK$2,342/mo
Today · 4.125%
HK$78,772
baseline
▲ 0.50% · 4.625%
HK$83,565
+HK$4,793/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,544/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,462
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,674
−HK$2,243/mo
Today · 4.125%
HK$86,917
baseline
▲ 0.50% · 4.625%
HK$91,499
+HK$4,582/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,834/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,227 · Scale 2, in force from 26 Feb 2026)