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$41,450
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,739
−HK$1,310/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,730
+HK$2,681/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,113
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,350
−HK$1,254/mo
Today · 4.125%
HK$48,604
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,208/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,740
−HK$3,119/mo
▼ 0.25% · 3.875%
HK$51,287
−HK$1,572/mo
Today · 4.125%
HK$52,859
baseline
▲ 0.50% · 4.625%
HK$56,076
+HK$3,217/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,718/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,335
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,819
−HK$1,506/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,399
+HK$3,074/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,030
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,835
−HK$1,834/mo
Today · 4.125%
HK$61,669
baseline
▲ 0.50% · 4.625%
HK$65,422
+HK$3,753/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,338/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,558
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$66,289
−HK$1,757/mo
Today · 4.125%
HK$68,046
baseline
▲ 0.50% · 4.625%
HK$71,633
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,092/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,610
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,931
−HK$2,358/mo
Today · 4.125%
HK$79,289
baseline
▲ 0.50% · 4.625%
HK$84,113
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,578/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,003
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,229
−HK$2,259/mo
Today · 4.125%
HK$87,488
baseline
▲ 0.50% · 4.625%
HK$92,099
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,976/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,669 · Scale 2, in force from 26 Feb 2026)