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$41,692
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,318/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,382
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,626
−HK$1,262/mo
Today · 4.125%
HK$48,888
baseline
▲ 0.50% · 4.625%
HK$51,465
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,776/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,031
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,587
−HK$1,581/mo
Today · 4.125%
HK$53,168
baseline
▲ 0.50% · 4.625%
HK$56,403
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,336/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,658
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,151
−HK$1,515/mo
Today · 4.125%
HK$58,666
baseline
▲ 0.50% · 4.625%
HK$61,758
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,332/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,369
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,185
−HK$1,844/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,804
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,935
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,676
−HK$1,767/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,051
+HK$3,608/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,046
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,380
−HK$2,372/mo
Today · 4.125%
HK$79,752
baseline
▲ 0.50% · 4.625%
HK$84,605
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,504/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,488
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,727
−HK$2,271/mo
Today · 4.125%
HK$87,998
baseline
▲ 0.50% · 4.625%
HK$92,637
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$175,996/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,649 · Scale 2, in force from 26 Feb 2026)