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$41,514
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,805
−HK$1,312/mo
Today · 4.125%
HK$44,117
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,234/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,184
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,422
−HK$1,257/mo
Today · 4.125%
HK$48,679
baseline
▲ 0.50% · 4.625%
HK$51,245
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,358/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,817
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,366
−HK$1,574/mo
Today · 4.125%
HK$52,940
baseline
▲ 0.50% · 4.625%
HK$56,162
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,880/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,420
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,907
−HK$1,508/mo
Today · 4.125%
HK$58,415
baseline
▲ 0.50% · 4.625%
HK$61,494
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,830/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,119
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,927
−HK$1,837/mo
Today · 4.125%
HK$61,764
baseline
▲ 0.50% · 4.625%
HK$65,522
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,528/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,657
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,391
−HK$1,759/mo
Today · 4.125%
HK$68,150
baseline
▲ 0.50% · 4.625%
HK$71,743
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,300/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,725
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,049
−HK$2,362/mo
Today · 4.125%
HK$79,411
baseline
▲ 0.50% · 4.625%
HK$84,243
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,822/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,131
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,360
−HK$2,262/mo
Today · 4.125%
HK$87,622
baseline
▲ 0.50% · 4.625%
HK$92,241
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,244/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,716 · Scale 2, in force from 26 Feb 2026)