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$41,639
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,316/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,942
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,323
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,565
−HK$1,260/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,399
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,966
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,521
−HK$1,579/mo
Today · 4.125%
HK$53,100
baseline
▲ 0.50% · 4.625%
HK$56,331
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$106,200/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,587
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,078
−HK$1,512/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$61,679
+HK$3,089/mo
Deposit HK$7.30M · loan HK$10.96M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,294
−HK$3,656/mo
▼ 0.25% · 3.875%
HK$60,108
−HK$1,842/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,852
−HK$3,503/mo
▼ 0.25% · 3.875%
HK$66,591
−HK$1,764/mo
Today · 4.125%
HK$68,355
baseline
▲ 0.50% · 4.625%
HK$71,959
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,710/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,950
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,281
−HK$2,369/mo
Today · 4.125%
HK$79,650
baseline
▲ 0.50% · 4.625%
HK$84,496
+HK$4,846/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,300/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,381
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,617
−HK$2,269/mo
Today · 4.125%
HK$87,886
baseline
▲ 0.50% · 4.625%
HK$92,518
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,772/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,771 · Scale 2, in force from 26 Feb 2026)