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$41,474
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,764
−HK$1,311/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,757
+HK$2,682/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,140
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,377
−HK$1,256/mo
Today · 4.125%
HK$48,633
baseline
▲ 0.50% · 4.625%
HK$51,196
+HK$2,563/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,266/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,769
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,317
−HK$1,573/mo
Today · 4.125%
HK$52,890
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$3,218/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$105,780/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,368
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,853
−HK$1,506/mo
Today · 4.125%
HK$58,359
baseline
▲ 0.50% · 4.625%
HK$61,435
+HK$3,076/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$116,718/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,064
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,870
−HK$1,835/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$65,460
+HK$3,755/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,596
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,328
−HK$1,758/mo
Today · 4.125%
HK$68,086
baseline
▲ 0.50% · 4.625%
HK$71,675
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,172/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,654
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,976
−HK$2,359/mo
Today · 4.125%
HK$79,335
baseline
▲ 0.50% · 4.625%
HK$84,163
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,670/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,052
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,279
−HK$2,260/mo
Today · 4.125%
HK$87,539
baseline
▲ 0.50% · 4.625%
HK$92,153
+HK$4,614/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,078/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,068 · Scale 2, in force from 26 Feb 2026)