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$41,386
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,308/mo
Today · 4.125%
HK$43,981
baseline
▲ 0.50% · 4.625%
HK$46,657
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,962/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,041
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,276
−HK$1,253/mo
Today · 4.125%
HK$48,529
baseline
▲ 0.50% · 4.625%
HK$51,087
+HK$2,558/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$97,058/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$3,114/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,569/mo
Today · 4.125%
HK$52,777
baseline
▲ 0.50% · 4.625%
HK$55,988
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,554/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,249
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,503/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,304
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,940
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,742
−HK$1,831/mo
Today · 4.125%
HK$61,573
baseline
▲ 0.50% · 4.625%
HK$65,320
+HK$3,747/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,146/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,458
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$66,186
−HK$1,754/mo
Today · 4.125%
HK$67,940
baseline
▲ 0.50% · 4.625%
HK$71,521
+HK$3,581/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,880/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,494
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,811
−HK$2,355/mo
Today · 4.125%
HK$79,166
baseline
▲ 0.50% · 4.625%
HK$83,983
+HK$4,817/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,332/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,874
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,097
−HK$2,254/mo
Today · 4.125%
HK$87,351
baseline
▲ 0.50% · 4.625%
HK$91,956
+HK$4,605/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,702/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,608 · Scale 2, in force from 26 Feb 2026)