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$41,068
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,345
−HK$1,298/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$46,299
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,688
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,913
−HK$1,243/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$50,694
+HK$2,538/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,282
−HK$3,090/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,557/mo
Today · 4.125%
HK$52,372
baseline
▲ 0.50% · 4.625%
HK$55,559
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,744/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,825
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,296
−HK$1,491/mo
Today · 4.125%
HK$57,787
baseline
▲ 0.50% · 4.625%
HK$60,833
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,574/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,495
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,284
−HK$1,817/mo
Today · 4.125%
HK$61,101
baseline
▲ 0.50% · 4.625%
HK$64,818
+HK$3,717/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,202/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,963
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,678
−HK$1,741/mo
Today · 4.125%
HK$67,419
baseline
▲ 0.50% · 4.625%
HK$70,972
+HK$3,553/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,838/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,922
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,222
−HK$2,336/mo
Today · 4.125%
HK$78,558
baseline
▲ 0.50% · 4.625%
HK$83,338
+HK$4,780/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,116/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,238
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,444
−HK$2,237/mo
Today · 4.125%
HK$86,681
baseline
▲ 0.50% · 4.625%
HK$91,250
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,362/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,385 · Scale 2, in force from 26 Feb 2026)