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$41,206
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,488
−HK$1,302/mo
Today · 4.125%
HK$43,790
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,664/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,580/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,841
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,071
−HK$1,247/mo
Today · 4.125%
HK$48,318
baseline
▲ 0.50% · 4.625%
HK$50,865
+HK$2,547/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,636/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,447
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,985
−HK$1,563/mo
Today · 4.125%
HK$52,548
baseline
▲ 0.50% · 4.625%
HK$55,745
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,096/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,009
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,485
−HK$1,496/mo
Today · 4.125%
HK$57,981
baseline
▲ 0.50% · 4.625%
HK$61,038
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,962/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,688
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,483
−HK$1,823/mo
Today · 4.125%
HK$61,306
baseline
▲ 0.50% · 4.625%
HK$65,036
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,612/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,178
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,899
−HK$1,746/mo
Today · 4.125%
HK$67,645
baseline
▲ 0.50% · 4.625%
HK$71,211
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,290/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,171
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,478
−HK$2,344/mo
Today · 4.125%
HK$78,822
baseline
▲ 0.50% · 4.625%
HK$83,618
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,644/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,514
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,727
−HK$2,245/mo
Today · 4.125%
HK$86,972
baseline
▲ 0.50% · 4.625%
HK$91,556
+HK$4,584/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,944/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,653 · Scale 2, in force from 26 Feb 2026)