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$40,700
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,286/mo
Today · 4.125%
HK$43,252
baseline
▲ 0.50% · 4.625%
HK$45,884
+HK$2,632/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,504/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,278
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,492
−HK$1,232/mo
Today · 4.125%
HK$47,724
baseline
▲ 0.50% · 4.625%
HK$50,240
+HK$2,516/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,448/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,840
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,543/mo
Today · 4.125%
HK$51,902
baseline
▲ 0.50% · 4.625%
HK$55,060
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,804/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,334
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,791
−HK$1,478/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,288
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,980
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,752
−HK$1,801/mo
Today · 4.125%
HK$60,553
baseline
▲ 0.50% · 4.625%
HK$64,237
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,106/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,389
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,089
−HK$1,725/mo
Today · 4.125%
HK$66,814
baseline
▲ 0.50% · 4.625%
HK$70,336
+HK$3,522/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,628/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,260
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,538
−HK$2,316/mo
Today · 4.125%
HK$77,854
baseline
▲ 0.50% · 4.625%
HK$82,591
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,708/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,500
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,686
−HK$2,218/mo
Today · 4.125%
HK$85,904
baseline
▲ 0.50% · 4.625%
HK$90,432
+HK$4,528/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,808/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,329 · Scale 2, in force from 26 Feb 2026)