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$41,243
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,303/mo
Today · 4.125%
HK$43,829
baseline
▲ 0.50% · 4.625%
HK$46,496
+HK$2,667/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,658/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,882
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,248/mo
Today · 4.125%
HK$48,361
baseline
▲ 0.50% · 4.625%
HK$50,910
+HK$2,549/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,722/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,491
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,031
−HK$1,564/mo
Today · 4.125%
HK$52,595
baseline
▲ 0.50% · 4.625%
HK$55,795
+HK$3,200/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,190/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,059
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,498/mo
Today · 4.125%
HK$58,033
baseline
▲ 0.50% · 4.625%
HK$61,092
+HK$3,059/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,066/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,740
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$59,536
−HK$1,825/mo
Today · 4.125%
HK$61,361
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,733/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$122,722/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,235
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$65,958
−HK$1,748/mo
Today · 4.125%
HK$67,706
baseline
▲ 0.50% · 4.625%
HK$71,274
+HK$3,568/mo
Deposit HK$5.43M · loan HK$12.66M · min. income ≈ HK$135,412/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,237
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,346/mo
Today · 4.125%
HK$78,892
baseline
▲ 0.50% · 4.625%
HK$83,693
+HK$4,801/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$157,784/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,588
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,803
−HK$2,247/mo
Today · 4.125%
HK$87,050
baseline
▲ 0.50% · 4.625%
HK$91,639
+HK$4,589/mo
Deposit HK$1.81M · loan HK$16.28M · min. income ≈ HK$174,100/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,260 · Scale 2, in force from 26 Feb 2026)