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$40,967
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,241
−HK$1,295/mo
Today · 4.125%
HK$43,536
baseline
▲ 0.50% · 4.625%
HK$46,185
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,072/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,576
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,798
−HK$1,240/mo
Today · 4.125%
HK$48,038
baseline
▲ 0.50% · 4.625%
HK$50,570
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,076/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,161
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,690
−HK$1,553/mo
Today · 4.125%
HK$52,243
baseline
▲ 0.50% · 4.625%
HK$55,422
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,486/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,691
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,488/mo
Today · 4.125%
HK$57,645
baseline
▲ 0.50% · 4.625%
HK$60,684
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,290/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,354
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,138
−HK$1,813/mo
Today · 4.125%
HK$60,951
baseline
▲ 0.50% · 4.625%
HK$64,659
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,902/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,806
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,517
−HK$1,736/mo
Today · 4.125%
HK$67,253
baseline
▲ 0.50% · 4.625%
HK$70,798
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,506/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,741
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,035
−HK$2,330/mo
Today · 4.125%
HK$78,365
baseline
▲ 0.50% · 4.625%
HK$83,133
+HK$4,768/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,730/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,036
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,236
−HK$2,232/mo
Today · 4.125%
HK$86,468
baseline
▲ 0.50% · 4.625%
HK$91,026
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,936/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,726 · Scale 2, in force from 26 Feb 2026)