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$40,768
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,037
−HK$1,288/mo
Today · 4.125%
HK$43,325
baseline
▲ 0.50% · 4.625%
HK$45,961
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,650/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,354
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,571
−HK$1,234/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,325
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,922
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,444
−HK$1,546/mo
Today · 4.125%
HK$51,990
baseline
▲ 0.50% · 4.625%
HK$55,153
+HK$3,163/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,980/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,425
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,885
−HK$1,481/mo
Today · 4.125%
HK$57,366
baseline
▲ 0.50% · 4.625%
HK$60,390
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,732/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,076
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,851
−HK$1,804/mo
Today · 4.125%
HK$60,655
baseline
▲ 0.50% · 4.625%
HK$64,346
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,310/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,496
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,199
−HK$1,728/mo
Today · 4.125%
HK$66,927
baseline
▲ 0.50% · 4.625%
HK$70,455
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,854/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,383
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,666
−HK$2,319/mo
Today · 4.125%
HK$77,985
baseline
▲ 0.50% · 4.625%
HK$82,730
+HK$4,745/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,970/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,638
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,828
−HK$2,221/mo
Today · 4.125%
HK$86,049
baseline
▲ 0.50% · 4.625%
HK$90,584
+HK$4,535/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,098/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,458 · Scale 2, in force from 26 Feb 2026)