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$41,457
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,746
−HK$1,311/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,737
+HK$2,680/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,120
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,357
−HK$1,255/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,174
+HK$2,562/mo
Deposit HK$9.09M · loan HK$9.09M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,748
−HK$3,120/mo
▼ 0.25% · 3.875%
HK$51,296
−HK$1,572/mo
Today · 4.125%
HK$52,868
baseline
▲ 0.50% · 4.625%
HK$56,085
+HK$3,217/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$105,736/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,344
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$56,829
−HK$1,505/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,409
+HK$3,075/mo
Deposit HK$7.27M · loan HK$10.91M · min. income ≈ HK$116,668/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,040
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$59,845
−HK$1,834/mo
Today · 4.125%
HK$61,679
baseline
▲ 0.50% · 4.625%
HK$65,432
+HK$3,753/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$123,358/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,568
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$66,300
−HK$1,757/mo
Today · 4.125%
HK$68,057
baseline
▲ 0.50% · 4.625%
HK$71,644
+HK$3,587/mo
Deposit HK$5.45M · loan HK$12.73M · min. income ≈ HK$136,114/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,622
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,943
−HK$2,359/mo
Today · 4.125%
HK$79,302
baseline
▲ 0.50% · 4.625%
HK$84,127
+HK$4,825/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$158,604/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,017
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,243
−HK$2,259/mo
Today · 4.125%
HK$87,502
baseline
▲ 0.50% · 4.625%
HK$92,114
+HK$4,612/mo
Deposit HK$1.82M · loan HK$16.36M · min. income ≈ HK$175,004/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$681,779 · Scale 2, in force from 26 Feb 2026)