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$40,753
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,021
−HK$1,288/mo
Today · 4.125%
HK$43,309
baseline
▲ 0.50% · 4.625%
HK$45,944
+HK$2,635/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,618/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,338
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,554
−HK$1,233/mo
Today · 4.125%
HK$47,787
baseline
▲ 0.50% · 4.625%
HK$50,306
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,574/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,904
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,425
−HK$1,546/mo
Today · 4.125%
HK$51,971
baseline
▲ 0.50% · 4.625%
HK$55,133
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,942/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,405
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,864
−HK$1,481/mo
Today · 4.125%
HK$57,345
baseline
▲ 0.50% · 4.625%
HK$60,367
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,690/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,055
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,829
−HK$1,803/mo
Today · 4.125%
HK$60,632
baseline
▲ 0.50% · 4.625%
HK$64,322
+HK$3,690/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,264/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,473
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,175
−HK$1,727/mo
Today · 4.125%
HK$66,902
baseline
▲ 0.50% · 4.625%
HK$70,428
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,804/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,356
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,638
−HK$2,318/mo
Today · 4.125%
HK$77,956
baseline
▲ 0.50% · 4.625%
HK$82,699
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,912/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,608
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,796
−HK$2,221/mo
Today · 4.125%
HK$86,017
baseline
▲ 0.50% · 4.625%
HK$90,551
+HK$4,534/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,034/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,210 · Scale 2, in force from 26 Feb 2026)