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$41,334
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,306/mo
Today · 4.125%
HK$43,925
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,673/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$87,850/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,983
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,216
−HK$1,251/mo
Today · 4.125%
HK$48,467
baseline
▲ 0.50% · 4.625%
HK$51,022
+HK$2,555/mo
Deposit HK$9.06M · loan HK$9.06M · min. income ≈ HK$96,934/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,600
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$51,143
−HK$1,568/mo
Today · 4.125%
HK$52,711
baseline
▲ 0.50% · 4.625%
HK$55,918
+HK$3,207/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$105,422/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,180
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$56,660
−HK$1,501/mo
Today · 4.125%
HK$58,161
baseline
▲ 0.50% · 4.625%
HK$61,227
+HK$3,066/mo
Deposit HK$7.25M · loan HK$10.88M · min. income ≈ HK$116,322/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,867
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$59,667
−HK$1,829/mo
Today · 4.125%
HK$61,496
baseline
▲ 0.50% · 4.625%
HK$65,238
+HK$3,742/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$122,992/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,376
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$66,103
−HK$1,751/mo
Today · 4.125%
HK$67,854
baseline
▲ 0.50% · 4.625%
HK$71,431
+HK$3,577/mo
Deposit HK$5.44M · loan HK$12.69M · min. income ≈ HK$135,708/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,400
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,715
−HK$2,351/mo
Today · 4.125%
HK$79,066
baseline
▲ 0.50% · 4.625%
HK$83,877
+HK$4,811/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$158,132/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,770
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,989
−HK$2,252/mo
Today · 4.125%
HK$87,241
baseline
▲ 0.50% · 4.625%
HK$91,840
+HK$4,599/mo
Deposit HK$1.81M · loan HK$16.31M · min. income ≈ HK$174,482/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$679,752 · Scale 2, in force from 26 Feb 2026)