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$41,476
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,767
−HK$1,310/mo
Today · 4.125%
HK$44,077
baseline
▲ 0.50% · 4.625%
HK$46,759
+HK$2,682/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,154/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,142
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,380
−HK$1,255/mo
Today · 4.125%
HK$48,635
baseline
▲ 0.50% · 4.625%
HK$51,199
+HK$2,564/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,270/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,772
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,573/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$3,218/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,370
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,855
−HK$1,507/mo
Today · 4.125%
HK$58,362
baseline
▲ 0.50% · 4.625%
HK$61,438
+HK$3,076/mo
Deposit HK$7.28M · loan HK$10.91M · min. income ≈ HK$116,724/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,067
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$59,873
−HK$1,835/mo
Today · 4.125%
HK$61,708
baseline
▲ 0.50% · 4.625%
HK$65,463
+HK$3,755/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$123,416/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,599
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$66,331
−HK$1,758/mo
Today · 4.125%
HK$68,089
baseline
▲ 0.50% · 4.625%
HK$71,678
+HK$3,589/mo
Deposit HK$5.46M · loan HK$12.73M · min. income ≈ HK$136,178/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,657
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,980
−HK$2,359/mo
Today · 4.125%
HK$79,339
baseline
▲ 0.50% · 4.625%
HK$84,167
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,678/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,056
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,283
−HK$2,260/mo
Today · 4.125%
HK$87,543
baseline
▲ 0.50% · 4.625%
HK$92,157
+HK$4,614/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,086/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,101 · Scale 2, in force from 26 Feb 2026)