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$40,663
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,927
−HK$1,285/mo
Today · 4.125%
HK$43,212
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,424/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,237
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,450
−HK$1,231/mo
Today · 4.125%
HK$47,681
baseline
▲ 0.50% · 4.625%
HK$50,194
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,362/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,795
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,313
−HK$1,542/mo
Today · 4.125%
HK$51,855
baseline
▲ 0.50% · 4.625%
HK$55,010
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,710/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,284
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,740
−HK$1,477/mo
Today · 4.125%
HK$57,217
baseline
▲ 0.50% · 4.625%
HK$60,233
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,434/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,928
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,698
−HK$1,799/mo
Today · 4.125%
HK$60,497
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,994/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,331
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,030
−HK$1,723/mo
Today · 4.125%
HK$66,753
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,506/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,193
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,469
−HK$2,313/mo
Today · 4.125%
HK$77,782
baseline
▲ 0.50% · 4.625%
HK$82,515
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,564/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,426
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,610
−HK$2,215/mo
Today · 4.125%
HK$85,825
baseline
▲ 0.50% · 4.625%
HK$90,349
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,650/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,718 · Scale 2, in force from 26 Feb 2026)