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$2,596/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,308/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,676/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,042
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,252/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$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$3,115/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,570/mo
Today · 4.125%
HK$52,778
baseline
▲ 0.50% · 4.625%
HK$55,989
+HK$3,211/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$105,556/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,250
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$56,732
−HK$1,503/mo
Today · 4.125%
HK$58,235
baseline
▲ 0.50% · 4.625%
HK$61,305
+HK$3,070/mo
Deposit HK$7.26M · loan HK$10.89M · min. income ≈ HK$116,470/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,941
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$59,743
−HK$1,831/mo
Today · 4.125%
HK$61,574
baseline
▲ 0.50% · 4.625%
HK$65,321
+HK$3,747/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$123,148/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,458
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$66,187
−HK$1,754/mo
Today · 4.125%
HK$67,941
baseline
▲ 0.50% · 4.625%
HK$71,522
+HK$3,581/mo
Deposit HK$5.44M · loan HK$12.70M · min. income ≈ HK$135,882/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,495
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,812
−HK$2,355/mo
Today · 4.125%
HK$79,167
baseline
▲ 0.50% · 4.625%
HK$83,984
+HK$4,817/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$158,334/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,875
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,098
−HK$2,255/mo
Today · 4.125%
HK$87,353
baseline
▲ 0.50% · 4.625%
HK$91,957
+HK$4,604/mo
Deposit HK$1.81M · loan HK$16.33M · min. income ≈ HK$174,706/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$680,618 · Scale 2, in force from 26 Feb 2026)