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$41,920
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,224
−HK$1,325/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$47,260
+HK$2,711/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$89,098/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,636
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,887
−HK$1,269/mo
Today · 4.125%
HK$49,156
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,591/mo
Deposit HK$9.19M · loan HK$9.19M · min. income ≈ HK$98,312/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,305
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,869
−HK$1,590/mo
Today · 4.125%
HK$53,459
baseline
▲ 0.50% · 4.625%
HK$56,712
+HK$3,253/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$106,918/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,963
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$57,464
−HK$1,523/mo
Today · 4.125%
HK$58,987
baseline
▲ 0.50% · 4.625%
HK$62,096
+HK$3,109/mo
Deposit HK$7.35M · loan HK$11.03M · min. income ≈ HK$117,974/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,689
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$60,514
−HK$1,855/mo
Today · 4.125%
HK$62,369
baseline
▲ 0.50% · 4.625%
HK$66,164
+HK$3,795/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$124,738/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,291
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$67,042
−HK$1,776/mo
Today · 4.125%
HK$68,818
baseline
▲ 0.50% · 4.625%
HK$72,446
+HK$3,628/mo
Deposit HK$5.52M · loan HK$12.87M · min. income ≈ HK$137,636/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,457
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,804
−HK$2,385/mo
Today · 4.125%
HK$80,189
baseline
▲ 0.50% · 4.625%
HK$85,068
+HK$4,879/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$160,378/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,945
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,196
−HK$2,284/mo
Today · 4.125%
HK$88,480
baseline
▲ 0.50% · 4.625%
HK$93,144
+HK$4,664/mo
Deposit HK$1.84M · loan HK$16.55M · min. income ≈ HK$176,960/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$689,405 · Scale 2, in force from 26 Feb 2026)