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$42,320
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,338/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,710
+HK$2,736/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,081
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,343
−HK$1,281/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,240
+HK$2,616/mo
Deposit HK$9.28M · loan HK$9.28M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,784
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$52,364
−HK$1,605/mo
Today · 4.125%
HK$53,969
baseline
▲ 0.50% · 4.625%
HK$57,252
+HK$3,283/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$107,938/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,497
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,012
−HK$1,537/mo
Today · 4.125%
HK$59,549
baseline
▲ 0.50% · 4.625%
HK$62,688
+HK$3,139/mo
Deposit HK$7.42M · loan HK$11.14M · min. income ≈ HK$119,098/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,248
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$61,091
−HK$1,872/mo
Today · 4.125%
HK$62,963
baseline
▲ 0.50% · 4.625%
HK$66,795
+HK$3,832/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$125,926/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,913
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$67,681
−HK$1,793/mo
Today · 4.125%
HK$69,474
baseline
▲ 0.50% · 4.625%
HK$73,136
+HK$3,662/mo
Deposit HK$5.57M · loan HK$12.99M · min. income ≈ HK$138,948/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,176
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,546
−HK$2,407/mo
Today · 4.125%
HK$80,953
baseline
▲ 0.50% · 4.625%
HK$85,879
+HK$4,926/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$161,906/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,018
−HK$2,306/mo
Today · 4.125%
HK$89,324
baseline
▲ 0.50% · 4.625%
HK$94,032
+HK$4,708/mo
Deposit HK$1.86M · loan HK$16.70M · min. income ≈ HK$178,648/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$695,975 · Scale 2, in force from 26 Feb 2026)