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$41,220
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,502
−HK$1,302/mo
Today · 4.125%
HK$43,804
baseline
▲ 0.50% · 4.625%
HK$46,470
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,608/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,086
−HK$1,248/mo
Today · 4.125%
HK$48,334
baseline
▲ 0.50% · 4.625%
HK$50,882
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,668/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,464
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$51,002
−HK$1,563/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,764
+HK$3,199/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,028
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,503
−HK$1,498/mo
Today · 4.125%
HK$58,001
baseline
▲ 0.50% · 4.625%
HK$61,058
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,002/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,707
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,502
−HK$1,824/mo
Today · 4.125%
HK$61,326
baseline
▲ 0.50% · 4.625%
HK$65,058
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,652/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,199
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,921
−HK$1,746/mo
Today · 4.125%
HK$67,667
baseline
▲ 0.50% · 4.625%
HK$71,234
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,334/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,195
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,503
−HK$2,345/mo
Today · 4.125%
HK$78,848
baseline
▲ 0.50% · 4.625%
HK$83,646
+HK$4,798/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,696/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,541
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,755
−HK$2,246/mo
Today · 4.125%
HK$87,001
baseline
▲ 0.50% · 4.625%
HK$91,587
+HK$4,586/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,002/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,878 · Scale 2, in force from 26 Feb 2026)