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$41,441
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,310/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,720
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,103
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,340
−HK$1,254/mo
Today · 4.125%
HK$48,594
baseline
▲ 0.50% · 4.625%
HK$51,155
+HK$2,561/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,188/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,572/mo
Today · 4.125%
HK$52,848
baseline
▲ 0.50% · 4.625%
HK$56,064
+HK$3,216/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$105,696/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,324
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$56,807
−HK$1,506/mo
Today · 4.125%
HK$58,313
baseline
▲ 0.50% · 4.625%
HK$61,386
+HK$3,073/mo
Deposit HK$7.27M · loan HK$10.90M · min. income ≈ HK$116,626/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,018
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$59,823
−HK$1,833/mo
Today · 4.125%
HK$61,656
baseline
▲ 0.50% · 4.625%
HK$65,408
+HK$3,752/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$123,312/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,544
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$66,275
−HK$1,756/mo
Today · 4.125%
HK$68,031
baseline
▲ 0.50% · 4.625%
HK$71,617
+HK$3,586/mo
Deposit HK$5.45M · loan HK$12.72M · min. income ≈ HK$136,062/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,594
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,915
−HK$2,357/mo
Today · 4.125%
HK$79,272
baseline
▲ 0.50% · 4.625%
HK$84,096
+HK$4,824/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,544/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,986
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,211
−HK$2,258/mo
Today · 4.125%
HK$87,469
baseline
▲ 0.50% · 4.625%
HK$92,080
+HK$4,611/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$174,938/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,525 · Scale 2, in force from 26 Feb 2026)