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$41,670
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,317/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,978
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,358
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,601
−HK$1,262/mo
Today · 4.125%
HK$48,863
baseline
▲ 0.50% · 4.625%
HK$51,438
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,726/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,005
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,560
−HK$1,580/mo
Today · 4.125%
HK$53,140
baseline
▲ 0.50% · 4.625%
HK$56,374
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,280/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,630
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,122
−HK$1,513/mo
Today · 4.125%
HK$58,635
baseline
▲ 0.50% · 4.625%
HK$61,726
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,270/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,339
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,153
−HK$1,844/mo
Today · 4.125%
HK$61,997
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,994/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,901
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,642
−HK$1,766/mo
Today · 4.125%
HK$68,408
baseline
▲ 0.50% · 4.625%
HK$72,013
+HK$3,605/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,816/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,007
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,340
−HK$2,370/mo
Today · 4.125%
HK$79,710
baseline
▲ 0.50% · 4.625%
HK$84,561
+HK$4,851/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,420/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,444
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,682
−HK$2,271/mo
Today · 4.125%
HK$87,953
baseline
▲ 0.50% · 4.625%
HK$92,589
+HK$4,636/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,906/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,293 · Scale 2, in force from 26 Feb 2026)