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$41,488
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,778
−HK$1,311/mo
Today · 4.125%
HK$44,089
baseline
▲ 0.50% · 4.625%
HK$46,772
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,178/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,155
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,392
−HK$1,256/mo
Today · 4.125%
HK$48,648
baseline
▲ 0.50% · 4.625%
HK$51,212
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,296/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,785
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,573/mo
Today · 4.125%
HK$52,907
baseline
▲ 0.50% · 4.625%
HK$56,126
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,814/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,385
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,507/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,455
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,083
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,889
−HK$1,836/mo
Today · 4.125%
HK$61,725
baseline
▲ 0.50% · 4.625%
HK$65,481
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,450/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,616
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,349
−HK$1,758/mo
Today · 4.125%
HK$68,107
baseline
▲ 0.50% · 4.625%
HK$71,697
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,214/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,678
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,001
−HK$2,360/mo
Today · 4.125%
HK$79,361
baseline
▲ 0.50% · 4.625%
HK$84,190
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,722/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,078
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,306
−HK$2,261/mo
Today · 4.125%
HK$87,567
baseline
▲ 0.50% · 4.625%
HK$92,182
+HK$4,615/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,134/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,286 · Scale 2, in force from 26 Feb 2026)