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$41,143
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,422
−HK$1,301/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,383
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,771
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,998
−HK$1,245/mo
Today · 4.125%
HK$48,243
baseline
▲ 0.50% · 4.625%
HK$50,786
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,486/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,371
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,907
−HK$1,560/mo
Today · 4.125%
HK$52,467
baseline
▲ 0.50% · 4.625%
HK$55,659
+HK$3,192/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,934/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,925
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,398
−HK$1,494/mo
Today · 4.125%
HK$57,892
baseline
▲ 0.50% · 4.625%
HK$60,944
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,784/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,600
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,391
−HK$1,821/mo
Today · 4.125%
HK$61,212
baseline
▲ 0.50% · 4.625%
HK$64,936
+HK$3,724/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,424/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,079
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,797
−HK$1,744/mo
Today · 4.125%
HK$67,541
baseline
▲ 0.50% · 4.625%
HK$71,101
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,082/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,057
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,360
−HK$2,341/mo
Today · 4.125%
HK$78,701
baseline
▲ 0.50% · 4.625%
HK$83,489
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,402/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,387
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,597
−HK$2,241/mo
Today · 4.125%
HK$86,838
baseline
▲ 0.50% · 4.625%
HK$91,416
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,676/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,610 · Scale 2, in force from 26 Feb 2026)