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$41,517
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,809
−HK$1,312/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,806
+HK$2,685/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,426
−HK$1,257/mo
Today · 4.125%
HK$48,683
baseline
▲ 0.50% · 4.625%
HK$51,249
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,366/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,821
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,574/mo
Today · 4.125%
HK$52,945
baseline
▲ 0.50% · 4.625%
HK$56,167
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,890/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,425
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,508/mo
Today · 4.125%
HK$58,420
baseline
▲ 0.50% · 4.625%
HK$61,499
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,840/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,124
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,932
−HK$1,837/mo
Today · 4.125%
HK$61,769
baseline
▲ 0.50% · 4.625%
HK$65,528
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,538/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,663
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,397
−HK$1,759/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$71,749
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,731
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,056
−HK$2,362/mo
Today · 4.125%
HK$79,418
baseline
▲ 0.50% · 4.625%
HK$84,250
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,836/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,138
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,368
−HK$2,261/mo
Today · 4.125%
HK$87,629
baseline
▲ 0.50% · 4.625%
HK$92,249
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,258/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,775 · Scale 2, in force from 26 Feb 2026)