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$41,352
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,307/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,004
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,252/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,622
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,166
−HK$1,568/mo
Today · 4.125%
HK$52,734
baseline
▲ 0.50% · 4.625%
HK$55,943
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,468/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,204
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,685
−HK$1,502/mo
Today · 4.125%
HK$58,187
baseline
▲ 0.50% · 4.625%
HK$61,254
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,374/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,893
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,693
−HK$1,830/mo
Today · 4.125%
HK$61,523
baseline
▲ 0.50% · 4.625%
HK$65,266
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,046/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,405
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,132
−HK$1,753/mo
Today · 4.125%
HK$67,885
baseline
▲ 0.50% · 4.625%
HK$71,463
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,770/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,433
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,749
−HK$2,352/mo
Today · 4.125%
HK$79,101
baseline
▲ 0.50% · 4.625%
HK$83,914
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,202/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,806
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,027
−HK$2,253/mo
Today · 4.125%
HK$87,280
baseline
▲ 0.50% · 4.625%
HK$91,881
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,560/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,053 · Scale 2, in force from 26 Feb 2026)