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$41,569
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,862
−HK$1,314/mo
Today · 4.125%
HK$44,176
baseline
▲ 0.50% · 4.625%
HK$46,864
+HK$2,688/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,352/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,245
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,485
−HK$1,259/mo
Today · 4.125%
HK$48,744
baseline
▲ 0.50% · 4.625%
HK$51,313
+HK$2,569/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,488/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,883
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,435
−HK$1,576/mo
Today · 4.125%
HK$53,011
baseline
▲ 0.50% · 4.625%
HK$56,237
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,022/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,494
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,983
−HK$1,509/mo
Today · 4.125%
HK$58,492
baseline
▲ 0.50% · 4.625%
HK$61,576
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,984/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,197
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,007
−HK$1,839/mo
Today · 4.125%
HK$61,846
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,692/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,743
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$1,761/mo
Today · 4.125%
HK$68,241
baseline
▲ 0.50% · 4.625%
HK$71,838
+HK$3,597/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,482/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,824
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,152
−HK$2,365/mo
Today · 4.125%
HK$79,517
baseline
▲ 0.50% · 4.625%
HK$84,355
+HK$4,838/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,034/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,241
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,474
−HK$2,265/mo
Today · 4.125%
HK$87,739
baseline
▲ 0.50% · 4.625%
HK$92,363
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,478/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,626 · Scale 2, in force from 26 Feb 2026)