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$41,347
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,633
−HK$1,306/mo
Today · 4.125%
HK$43,939
baseline
▲ 0.50% · 4.625%
HK$46,613
+HK$2,674/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$87,878/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,998
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,231
−HK$1,252/mo
Today · 4.125%
HK$48,483
baseline
▲ 0.50% · 4.625%
HK$51,038
+HK$2,555/mo
Deposit HK$9.07M · loan HK$9.07M · min. income ≈ HK$96,966/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,616
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,159
−HK$1,568/mo
Today · 4.125%
HK$52,727
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$3,209/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,454/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,197
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$56,678
−HK$1,501/mo
Today · 4.125%
HK$58,179
baseline
▲ 0.50% · 4.625%
HK$61,246
+HK$3,067/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,358/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,885
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$59,686
−HK$1,829/mo
Today · 4.125%
HK$61,515
baseline
▲ 0.50% · 4.625%
HK$65,258
+HK$3,743/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$123,030/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,397
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$66,124
−HK$1,752/mo
Today · 4.125%
HK$67,876
baseline
▲ 0.50% · 4.625%
HK$71,454
+HK$3,578/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,752/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,424
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,739
−HK$2,352/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,903
+HK$4,812/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,016
−HK$2,253/mo
Today · 4.125%
HK$87,269
baseline
▲ 0.50% · 4.625%
HK$91,869
+HK$4,600/mo
Deposit HK$1.81M · loan HK$16.32M · min. income ≈ HK$174,538/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,967 · Scale 2, in force from 26 Feb 2026)