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$40,859
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,291/mo
Today · 4.125%
HK$43,421
baseline
▲ 0.50% · 4.625%
HK$46,063
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,842/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,455
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,237/mo
Today · 4.125%
HK$47,911
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,822/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,031
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,556
−HK$1,550/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$55,276
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,546
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,009
−HK$1,484/mo
Today · 4.125%
HK$57,493
baseline
▲ 0.50% · 4.625%
HK$60,524
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,986/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,203
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,982
−HK$1,808/mo
Today · 4.125%
HK$60,790
baseline
▲ 0.50% · 4.625%
HK$64,489
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,580/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,638
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,344
−HK$1,732/mo
Today · 4.125%
HK$67,076
baseline
▲ 0.50% · 4.625%
HK$70,611
+HK$3,535/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,152/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,546
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,834
−HK$2,324/mo
Today · 4.125%
HK$78,158
baseline
▲ 0.50% · 4.625%
HK$82,914
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,316/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,820
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,014
−HK$2,226/mo
Today · 4.125%
HK$86,240
baseline
▲ 0.50% · 4.625%
HK$90,786
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,480/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,950 · Scale 2, in force from 26 Feb 2026)