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$41,084
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,298/mo
Today · 4.125%
HK$43,660
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,320/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,244/mo
Today · 4.125%
HK$48,175
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,350/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,301
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,834
−HK$1,558/mo
Today · 4.125%
HK$52,392
baseline
▲ 0.50% · 4.625%
HK$55,580
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,784/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,847
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,317
−HK$1,493/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$60,857
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,620/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,307
−HK$1,817/mo
Today · 4.125%
HK$61,124
baseline
▲ 0.50% · 4.625%
HK$64,844
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,248/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,988
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,704
−HK$1,741/mo
Today · 4.125%
HK$67,445
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$3,555/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,890/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,951
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,251
−HK$2,337/mo
Today · 4.125%
HK$78,588
baseline
▲ 0.50% · 4.625%
HK$83,370
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,176/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,270
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,476
−HK$2,239/mo
Today · 4.125%
HK$86,715
baseline
▲ 0.50% · 4.625%
HK$91,285
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,430/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,647 · Scale 2, in force from 26 Feb 2026)