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$40,749
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,017
−HK$1,288/mo
Today · 4.125%
HK$43,305
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,635/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,610/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,333
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,234/mo
Today · 4.125%
HK$47,783
baseline
▲ 0.50% · 4.625%
HK$50,301
+HK$2,518/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,566/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,546/mo
Today · 4.125%
HK$51,966
baseline
▲ 0.50% · 4.625%
HK$55,128
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,932/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,400
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,859
−HK$1,480/mo
Today · 4.125%
HK$57,339
baseline
▲ 0.50% · 4.625%
HK$60,362
+HK$3,023/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,678/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,049
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,824
−HK$1,803/mo
Today · 4.125%
HK$60,627
baseline
▲ 0.50% · 4.625%
HK$64,316
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,254/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,467
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,169
−HK$1,727/mo
Today · 4.125%
HK$66,896
baseline
▲ 0.50% · 4.625%
HK$70,422
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,792/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,349
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,631
−HK$2,318/mo
Today · 4.125%
HK$77,949
baseline
▲ 0.50% · 4.625%
HK$82,692
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,898/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,600
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,789
−HK$2,220/mo
Today · 4.125%
HK$86,009
baseline
▲ 0.50% · 4.625%
HK$90,542
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,018/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,147 · Scale 2, in force from 26 Feb 2026)