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$40,569
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,831
−HK$1,282/mo
Today · 4.125%
HK$43,113
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,623/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,226/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,132
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,228/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,078
+HK$2,507/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,682
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,197
−HK$1,538/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,883
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,159
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,611
−HK$1,474/mo
Today · 4.125%
HK$57,085
baseline
▲ 0.50% · 4.625%
HK$60,094
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,170/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,796
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,563
−HK$1,795/mo
Today · 4.125%
HK$60,358
baseline
▲ 0.50% · 4.625%
HK$64,030
+HK$3,672/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,716/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,185
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,880
−HK$1,719/mo
Today · 4.125%
HK$66,599
baseline
▲ 0.50% · 4.625%
HK$70,109
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,198/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,024
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,295
−HK$2,308/mo
Today · 4.125%
HK$77,603
baseline
▲ 0.50% · 4.625%
HK$82,325
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,206/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,238
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,417
−HK$2,210/mo
Today · 4.125%
HK$85,627
baseline
▲ 0.50% · 4.625%
HK$90,141
+HK$4,514/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,254/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,173 · Scale 2, in force from 26 Feb 2026)