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$41,652
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,317/mo
Today · 4.125%
HK$44,264
baseline
▲ 0.50% · 4.625%
HK$46,957
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,528/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,261/mo
Today · 4.125%
HK$48,841
baseline
▲ 0.50% · 4.625%
HK$51,415
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,682/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,982
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,537
−HK$1,580/mo
Today · 4.125%
HK$53,117
baseline
▲ 0.50% · 4.625%
HK$56,349
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,234/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,605
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,096
−HK$1,513/mo
Today · 4.125%
HK$58,609
baseline
▲ 0.50% · 4.625%
HK$61,698
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,218/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,313
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,126
−HK$1,843/mo
Today · 4.125%
HK$61,969
baseline
▲ 0.50% · 4.625%
HK$65,740
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,938/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,872
−HK$3,505/mo
▼ 0.25% · 3.875%
HK$66,612
−HK$1,765/mo
Today · 4.125%
HK$68,377
baseline
▲ 0.50% · 4.625%
HK$71,981
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,754/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,973
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,305
−HK$2,370/mo
Today · 4.125%
HK$79,675
baseline
▲ 0.50% · 4.625%
HK$84,523
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,350/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,407
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,644
−HK$2,269/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$92,547
+HK$4,634/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,987 · Scale 2, in force from 26 Feb 2026)