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$41,175
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,301/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,419
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,035
−HK$1,246/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$50,826
+HK$2,545/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,410
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,947
−HK$1,561/mo
Today · 4.125%
HK$52,508
baseline
▲ 0.50% · 4.625%
HK$55,703
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,016/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,968
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,496/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$60,992
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,645
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,438
−HK$1,822/mo
Today · 4.125%
HK$61,260
baseline
▲ 0.50% · 4.625%
HK$64,987
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,520/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,129
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,849
−HK$1,745/mo
Today · 4.125%
HK$67,594
baseline
▲ 0.50% · 4.625%
HK$71,157
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,188/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,115
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,420
−HK$2,342/mo
Today · 4.125%
HK$78,762
baseline
▲ 0.50% · 4.625%
HK$83,555
+HK$4,793/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,524/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,452
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,663
−HK$2,244/mo
Today · 4.125%
HK$86,907
baseline
▲ 0.50% · 4.625%
HK$91,488
+HK$4,581/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,814/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,143 · Scale 2, in force from 26 Feb 2026)