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$41,121
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,400
−HK$1,299/mo
Today · 4.125%
HK$43,699
baseline
▲ 0.50% · 4.625%
HK$46,358
+HK$2,659/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,398/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,746
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,245/mo
Today · 4.125%
HK$48,218
baseline
▲ 0.50% · 4.625%
HK$50,759
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,436/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,345
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,880
−HK$1,559/mo
Today · 4.125%
HK$52,439
baseline
▲ 0.50% · 4.625%
HK$55,630
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,878/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,895
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,368
−HK$1,493/mo
Today · 4.125%
HK$57,861
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,050/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,722/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,569
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,360
−HK$1,819/mo
Today · 4.125%
HK$61,179
baseline
▲ 0.50% · 4.625%
HK$64,901
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,358/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,045
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$1,743/mo
Today · 4.125%
HK$67,505
baseline
▲ 0.50% · 4.625%
HK$71,063
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$135,010/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,017
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,319
−HK$2,340/mo
Today · 4.125%
HK$78,659
baseline
▲ 0.50% · 4.625%
HK$83,445
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,318/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,343
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,552
−HK$2,240/mo
Today · 4.125%
HK$86,792
baseline
▲ 0.50% · 4.625%
HK$91,367
+HK$4,575/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,584/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,250 · Scale 2, in force from 26 Feb 2026)