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$41,484
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,311/mo
Today · 4.125%
HK$44,086
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,682/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,172/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,151
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,255/mo
Today · 4.125%
HK$48,644
baseline
▲ 0.50% · 4.625%
HK$51,209
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,288/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,781
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,573/mo
Today · 4.125%
HK$52,903
baseline
▲ 0.50% · 4.625%
HK$56,122
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,806/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,381
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,867
−HK$1,506/mo
Today · 4.125%
HK$58,373
baseline
▲ 0.50% · 4.625%
HK$61,450
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,746/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,078
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,885
−HK$1,835/mo
Today · 4.125%
HK$61,720
baseline
▲ 0.50% · 4.625%
HK$65,476
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,440/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,611
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,344
−HK$1,758/mo
Today · 4.125%
HK$68,102
baseline
▲ 0.50% · 4.625%
HK$71,692
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,204/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,672
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,995
−HK$2,360/mo
Today · 4.125%
HK$79,355
baseline
▲ 0.50% · 4.625%
HK$84,183
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,710/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,072
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,300
−HK$2,260/mo
Today · 4.125%
HK$87,560
baseline
▲ 0.50% · 4.625%
HK$92,175
+HK$4,615/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,120/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,234 · Scale 2, in force from 26 Feb 2026)