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$40,651
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,285/mo
Today · 4.125%
HK$43,200
baseline
▲ 0.50% · 4.625%
HK$45,829
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,400/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,224
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,436
−HK$1,231/mo
Today · 4.125%
HK$47,667
baseline
▲ 0.50% · 4.625%
HK$50,179
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,334/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,781
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,298
−HK$1,542/mo
Today · 4.125%
HK$51,840
baseline
▲ 0.50% · 4.625%
HK$54,994
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,680/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,268
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,724
−HK$1,476/mo
Today · 4.125%
HK$57,200
baseline
▲ 0.50% · 4.625%
HK$60,215
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,400/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,911
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,681
−HK$1,799/mo
Today · 4.125%
HK$60,480
baseline
▲ 0.50% · 4.625%
HK$64,160
+HK$3,680/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,960/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,313
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,011
−HK$1,723/mo
Today · 4.125%
HK$66,734
baseline
▲ 0.50% · 4.625%
HK$70,251
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,468/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,171
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,447
−HK$2,313/mo
Today · 4.125%
HK$77,760
baseline
▲ 0.50% · 4.625%
HK$82,491
+HK$4,731/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,520/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,402
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,586
−HK$2,214/mo
Today · 4.125%
HK$85,800
baseline
▲ 0.50% · 4.625%
HK$90,323
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,600/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,523 · Scale 2, in force from 26 Feb 2026)