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$37,974
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,155
−HK$1,200/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,811
+HK$2,456/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,246
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,149/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$46,875
+HK$2,347/mo
Deposit HK$8.33M · loan HK$8.33M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,569
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,986
−HK$1,440/mo
Today · 4.125%
HK$48,426
baseline
▲ 0.50% · 4.625%
HK$51,373
+HK$2,947/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,852/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,695
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,054
−HK$1,379/mo
Today · 4.125%
HK$53,433
baseline
▲ 0.50% · 4.625%
HK$56,250
+HK$2,817/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,866/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,817
−HK$1,680/mo
Today · 4.125%
HK$56,497
baseline
▲ 0.50% · 4.625%
HK$59,935
+HK$3,438/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$112,994/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,144
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,730
−HK$1,609/mo
Today · 4.125%
HK$62,339
baseline
▲ 0.50% · 4.625%
HK$65,625
+HK$3,286/mo
Deposit HK$5.00M · loan HK$11.66M · min. income ≈ HK$124,678/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,353
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$70,479
−HK$2,160/mo
Today · 4.125%
HK$72,639
baseline
▲ 0.50% · 4.625%
HK$77,059
+HK$4,420/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$145,278/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,042
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,081
−HK$2,069/mo
Today · 4.125%
HK$80,150
baseline
▲ 0.50% · 4.625%
HK$84,375
+HK$4,225/mo
Deposit HK$1.67M · loan HK$14.99M · min. income ≈ HK$160,300/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,500 · Scale 2, in force from 26 Feb 2026)