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$41,353
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,640
−HK$1,307/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,621
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,005
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,239
−HK$1,252/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,556/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,624
−HK$3,112/mo
▼ 0.25% · 3.875%
HK$51,168
−HK$1,568/mo
Today · 4.125%
HK$52,736
baseline
▲ 0.50% · 4.625%
HK$55,945
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,472/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,206
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,502/mo
Today · 4.125%
HK$58,189
baseline
▲ 0.50% · 4.625%
HK$61,256
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,378/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,895
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,696
−HK$1,829/mo
Today · 4.125%
HK$61,525
baseline
▲ 0.50% · 4.625%
HK$65,269
+HK$3,744/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,050/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,407
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$1,752/mo
Today · 4.125%
HK$67,887
baseline
▲ 0.50% · 4.625%
HK$71,466
+HK$3,579/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,774/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,436
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,752
−HK$2,352/mo
Today · 4.125%
HK$79,104
baseline
▲ 0.50% · 4.625%
HK$83,917
+HK$4,813/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,208/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,810
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,030
−HK$2,253/mo
Today · 4.125%
HK$87,283
baseline
▲ 0.50% · 4.625%
HK$91,884
+HK$4,601/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,566/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$680,079 · Scale 2, in force from 26 Feb 2026)