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$41,893
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,196
−HK$1,324/mo
Today · 4.125%
HK$44,520
baseline
▲ 0.50% · 4.625%
HK$47,229
+HK$2,709/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,040/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,606
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,856
−HK$1,268/mo
Today · 4.125%
HK$49,124
baseline
▲ 0.50% · 4.625%
HK$51,713
+HK$2,589/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,248/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,272
−HK$3,152/mo
▼ 0.25% · 3.875%
HK$51,835
−HK$1,589/mo
Today · 4.125%
HK$53,424
baseline
▲ 0.50% · 4.625%
HK$56,675
+HK$3,251/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$106,848/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,927
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$57,427
−HK$1,521/mo
Today · 4.125%
HK$58,948
baseline
▲ 0.50% · 4.625%
HK$62,056
+HK$3,108/mo
Deposit HK$7.35M · loan HK$11.02M · min. income ≈ HK$117,896/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,650
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$60,475
−HK$1,853/mo
Today · 4.125%
HK$62,328
baseline
▲ 0.50% · 4.625%
HK$66,121
+HK$3,793/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$124,656/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,248
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$66,998
−HK$1,775/mo
Today · 4.125%
HK$68,773
baseline
▲ 0.50% · 4.625%
HK$72,398
+HK$3,625/mo
Deposit HK$5.51M · loan HK$12.86M · min. income ≈ HK$137,546/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,407
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,753
−HK$2,383/mo
Today · 4.125%
HK$80,136
baseline
▲ 0.50% · 4.625%
HK$85,012
+HK$4,876/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$160,272/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,890
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,140
−HK$2,282/mo
Today · 4.125%
HK$88,422
baseline
▲ 0.50% · 4.625%
HK$93,083
+HK$4,661/mo
Deposit HK$1.84M · loan HK$16.53M · min. income ≈ HK$176,844/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$688,953 · Scale 2, in force from 26 Feb 2026)