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$41,086
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,299/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$46,319
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,708
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,243/mo
Today · 4.125%
HK$48,177
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,354/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,303
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,837
−HK$1,558/mo
Today · 4.125%
HK$52,395
baseline
▲ 0.50% · 4.625%
HK$55,583
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,790/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,849
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,320
−HK$1,493/mo
Today · 4.125%
HK$57,813
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,626/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,521
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,310
−HK$1,818/mo
Today · 4.125%
HK$61,128
baseline
▲ 0.50% · 4.625%
HK$64,847
+HK$3,719/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,256/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,991
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,707
−HK$1,741/mo
Today · 4.125%
HK$67,448
baseline
▲ 0.50% · 4.625%
HK$71,004
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,896/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,955
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,255
−HK$2,338/mo
Today · 4.125%
HK$78,593
baseline
▲ 0.50% · 4.625%
HK$83,375
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,186/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,274
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,481
−HK$2,238/mo
Today · 4.125%
HK$86,719
baseline
▲ 0.50% · 4.625%
HK$91,290
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,438/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,682 · Scale 2, in force from 26 Feb 2026)