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$41,190
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,302/mo
Today · 4.125%
HK$43,773
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,663/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,546/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,052
−HK$1,247/mo
Today · 4.125%
HK$48,299
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,598/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,428
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,965
−HK$1,562/mo
Today · 4.125%
HK$52,527
baseline
▲ 0.50% · 4.625%
HK$55,724
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,054/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,988
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,463
−HK$1,496/mo
Today · 4.125%
HK$57,959
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,055/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,918/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,666
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,460
−HK$1,822/mo
Today · 4.125%
HK$61,282
baseline
▲ 0.50% · 4.625%
HK$65,011
+HK$3,729/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,564/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,153
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,873
−HK$1,746/mo
Today · 4.125%
HK$67,619
baseline
▲ 0.50% · 4.625%
HK$71,183
+HK$3,564/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,238/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,142
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,448
−HK$2,343/mo
Today · 4.125%
HK$78,791
baseline
▲ 0.50% · 4.625%
HK$83,585
+HK$4,794/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,582/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,482
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,694
−HK$2,244/mo
Today · 4.125%
HK$86,938
baseline
▲ 0.50% · 4.625%
HK$91,521
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,876/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,390 · Scale 2, in force from 26 Feb 2026)