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$41,313
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,306/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,671/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,960
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,193
−HK$1,250/mo
Today · 4.125%
HK$48,443
baseline
▲ 0.50% · 4.625%
HK$50,997
+HK$2,554/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,886/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,576
−HK$3,108/mo
▼ 0.25% · 3.875%
HK$51,118
−HK$1,566/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,890
+HK$3,206/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$56,632
−HK$1,500/mo
Today · 4.125%
HK$58,132
baseline
▲ 0.50% · 4.625%
HK$61,196
+HK$3,064/mo
Deposit HK$7.25M · loan HK$10.87M · min. income ≈ HK$116,264/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,838
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$59,637
−HK$1,828/mo
Today · 4.125%
HK$61,465
baseline
▲ 0.50% · 4.625%
HK$65,205
+HK$3,740/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$122,930/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,344
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$66,070
−HK$1,751/mo
Today · 4.125%
HK$67,821
baseline
▲ 0.50% · 4.625%
HK$71,396
+HK$3,575/mo
Deposit HK$5.44M · loan HK$12.68M · min. income ≈ HK$135,642/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,363
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,677
−HK$2,350/mo
Today · 4.125%
HK$79,027
baseline
▲ 0.50% · 4.625%
HK$83,835
+HK$4,808/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,054/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,729
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,947
−HK$2,251/mo
Today · 4.125%
HK$87,198
baseline
▲ 0.50% · 4.625%
HK$91,794
+HK$4,596/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,396/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,414 · Scale 2, in force from 26 Feb 2026)